Updated September 29, 2026 · AssureCue Editorial Team
Top travel insurance compared
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| # | Insurance provider | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 131 |  Moneyland.ch | 9.2/10 |
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| 132 |  OrbitProtect | 9.2/10 |
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| 133 |  RAC Free upgrade to Online Plus cover for RAC members buying direct: Free upgrade to 5-star Defaqto rated Online Plus cover | 9.2/10 |
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| 134 |  Saga | 9.2/10 |
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| 135 |  Sparda-Bank Hamburg Kostenloses Girokonto Sparda Giro (Null Gebuehren, 100 % Konto): 0 EUR account fees, Germany | 9.2/10 |
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| 136 |  Thaivivat Insurance | 9.2/10 |
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| 137 |  UniCredit Bulbank | 9.2/10 |
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| 138 | Uzagrosugurta 50% discount for pensioners on compulsory motor vehicle insurance | 9.2/10 |
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| 139 |  Wuerttembergische Versicherung AG | 9.2/10 |
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| 140 |  Zilveren Kruis | 9.2/10 |
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About Top travel insurance compared
Travellers comparing cover weigh cost and claim handling above most other things. Some members of this ranking are insurers that carry the risk themselves, others are brokers who place it with an underwriter, and the rest are comparison sites that put several policies side by side. This ranking covers 241 travel insurance brands, and all of them list travel among the lines they offer, alongside motor, home, health, life, pet or gadget policies depending on the market. The main trade-off for your money runs between a low starting premium and the cover, support and payment terms that come with it. The median travel premium in this category is €7.93, and recorded premiums run €0 to €3,431.08, so price on its own says little about value. Monthly payment options decide how a trip hits your account, so check those alongside the fee.
How we picked
Every brand in this ranking is scored on weighted signals. Trust carries the heaviest share at 40%, cost counts for 35% and the offer itself for 25%. Trust looks at how a company is set up and how long it has traded: whether it is an insurer, a broker or a comparison site, the legal entity behind the brand, and the year it was founded. Cost reads the starting premium each brand publishes, in its own currency, and sets it against the rest of the category rather than converting across markets. Offer covers what the policy includes, how claims are raised, which support channels a customer can reach and whether monthly payments exist. Every member line is drawn from that brand's own published information, and every stat quoted here comes from the data behind the page. Partners appear first, in the order agreed with them, and the remaining brands follow by score. Behind the list sits a wider pool of 241 brands, with licence details on record for 167 of them.
How we rankWhat to look for
- The starting premium
- Read the first price a brand shows rather than a headline discount. In this ranking the median travel premium is €7.93, the lower quartile is €2.28 and the upper quartile is €45.91, while the recorded spread runs €0 to €3,431.08. Each price is quoted in its own market's currency, so a low figure in a single market says little about another.
- Who carries the risk
- An insurer keeps the risk on its own books, a broker passes it on and a comparison site shows policies from several providers. In this category 38.7% of the brands are insurers, 35.3% are brokers and 23.4% are comparison sites. The distinction matters when a claim is refused, because you need to know which company owes you the money.
- How the money leaves your account
- A trip is usually paid for in full, so monthly payments decide whether a policy suits a tight budget. 83.6% of the brands in this ranking take monthly payments and 16.4% do not. LeLynx.fr, LowestRates.ca and Miles & More Kreditkarte spread the cost, while EuroAsia Insurance, iMoney and Intermundial Portugal ask for payment in full.
- Reaching a person
- Claims and cancellations happen at inconvenient hours, so the support mix tells you a lot. 90.9% of brands list phone support, 74% run a help centre and 48.9% offer live chat. A help centre on its own suits a reader who is happy to search, while a phone line suits one who is not.
- Who the policy is written for
- Travel cover is not a single product. 69.9% of the brands in this ranking cater to seniors and 44.7% to expats, and some set a minimum age while others accept any age. Age rules change both the price and the medical wording, so read them before you compare quotes.
- Cover beyond the trip
- Many of the brands here sell travel as one line among several, with 64.3% also covering motor, 65.6% home and 48.1% life. A specialist may price travel more closely, but a generalist lets you keep the rest of your insurance in the same place.
Frequently asked questions
Which travel insurance has the lowest starting premium?+
A low starting price is easy to find and hard to compare, because each brand quotes in its own market's currency. Intermundial Portugal lists premiums from €0.42 and bonus.ch from CHF 0, which are not directly comparable with the Danish or Canadian figures. Across the category the median travel premium is €7.93 and recorded prices run €0 to €3,431.08. Read cover and excess beside the price, not on their own.
Is travel insurance the same as car insurance?+
No, they cover different things and suit different trips. 100% of the brands in this ranking offer travel, and 64.3% also offer motor cover, so a site that sells both is useful if you want several policies together. A travel policy leans on medical costs, cancellation and lost baggage, which a motor policy does not, and the claims channels differ with it.
Can I pay for travel insurance monthly?+
Some can and some cannot. 83.6% of the brands in this ranking take monthly payments and 16.4% do not. LeLynx.fr, LowestRates.ca and Miles & More Kreditkarte spread the cost across the year, while EuroAsia Insurance, iMoney and Intermundial Portugal expect payment in full. A short trip is often cheaper to pay outright, so read the instalment terms before you split the bill.
Should I choose an insurer or a comparison site for travel cover?+
Both work, and the difference is who ends up owing you. 38.7% of the brands in this ranking are insurers, 35.3% are brokers and 23.4% are comparison sites. An insurer handles the claim directly, a broker places it with an underwriter, and a comparison site lets you read several policies before choosing. Check the legal entity named on the policy to see who carries it.
What cover limit should I look for in travel insurance?+
Start with medical expenses, since that is the largest cost abroad. EuroAsia Insurance publishes travel cover of Travel insurance up to EUR 90,000, and Intermundial Portugal sets medical cover by destination, with the worldwide Totaltravel figure above the Europe and Portugal figures and a higher level again in premium mode. Then check cancellation and baggage limits, which are quoted as separate sums and can make a cheap policy expensive after a problem.
Does travel insurance suit older travellers and expats?+
Often yes, though age rules decide the price. 69.9% of the brands in this ranking cater to seniors and 44.7% to expats, and some accept any age while others set a minimum age. LeLynx.fr focuses on seniors, and Moneyland.ch and Intermundial Portugal serve both groups. Check the medical wording and any age limit before you buy, since they drive what a claim is worth.
Top travel insurance compared by country
Related by the facts
The data behind this ranking
| Metric | Value | Sample |
|---|---|---|
| Median premium from | 7.93 EUR | 126 |
| Lower quartile premium from | 2.28 EUR | 126 |
| Upper quartile premium from | 45.91 EUR | 126 |
| Lowest premium from | 0 EUR | 126 |
| Highest premium from | 3,431.08 EUR | 126 |
| Insurance types: auto | 64.3 % | 241 |
| Insurance types: home | 65.6 % | 241 |
| Insurance types: renters | 15.8 % | 241 |
| Insurance types: life | 48.1 % | 241 |
| Insurance types: health | 49 % | 241 |
| Insurance types: travel | 100 % | 241 |
| Insurance types: pet | 32.8 % | 241 |
| Insurance types: motorcycle | 29.5 % | 241 |
| Insurance types: van | 9.1 % | 241 |
