If you are researching insurance for parents visiting the USA—or perhaps planning a trip abroad yourself—you have likely realized that the list of travel insurance companies is overwhelming.
For many of our clients, specifically those welcoming family from India or other parts of the globe, the stakes are incredibly high. You aren’t just buying a policy; you are protecting your family’s financial future and health in a complex healthcare system in a foreign country.
When you ask, "Who are the best travel insurance companies?" or "What companies offer travel insurance?", the answer isn't just a list of names. It requires understanding the difference between the company that manages the policy (the Administrator) and the partner who fights for you (the Broker).
This guide will help you compare travel insurance companies effectively, ensuring you get the transparent, comprehensive coverage your family deserves.
The Landscape: Administrators vs. Brokers
To find the top travel insurance companies, you first need to understand the players involved. Most travelers are unaware that there is a distinct difference between an Insurance Administrator and an Independent Broker.
1. The Insurance Administrator
These are the companies that design the plans, issue the ID cards, and handle claims processing.
- Role: They create the product and manage the risk.
- Limitation: If you call them directly, they can only sell you their specific products. They cannot tell you if a competitor’s plan is better suited for your heart condition or your mother’s diabetes.
2. The Independent Broker (That’s Insubuy!)
Insubuy is a premier independent broker and with over 25 years of experience and is based in the United States.
- Role: We represent you, not the insurance company. We are a neutral marketplace where you can see what insurance companies offer travel insurance side-by-side.
- Advantage: We offer plans from all the major administrators. Because we are not tied to one specific product, we can give you an honest, unbiased recommendation based on your specific needs.
Key Takeaway: Buying from Insubuy costs exactly the same as buying direct. The premiums are regulated by law. The difference? With Insubuy, you get an advocate on your side.
Meet Our Trusted Insurance Partners
At Insubuy, we only work with the most reputable carriers in the industry. We give you access to a wide range of options so you can compare travel insurance companies on a level playing field.
We maintain strong, unbiased partnerships with the following industry leaders. You can view our full list of Insurance Partners here.
Global Travel & Medical Leaders
- International Medical Group (IMG): Serving travelers since 1990, IMG provides award-winning global insurance and assistance services. They are a go-to choice for travelers, students, and missionaries seeking peace of mind and trusted safety solutions.
- WorldTrips: A favorite for international travelers, WorldTrips offers travel medical and trip protection insurance tailored to individuals, families, and corporations. Their products are designed to meet the unique needs of global travelers.
- Trawick International: Known for customization, Trawick provides worldwide travel medical, trip, and student insurance. Their plans are robust, covering hospital stays, emergencies, and cancellations for travelers around the globe.
- Blue Cross Blue Shield Global Solutions: Leveraging a brand name known for reliability, BCBS Global Solutions provides peace of mind to travelers and expats through an elite network of providers and exceptional service standards.
Specialized & Heritage Experts
- Global Underwriters: With a history dating back to 1973, Global Underwriters is a leader in international health, life, and special risk insurance. They are dedicated to educating and servicing clients with a comprehensive range of products.
- Azimuth Risk Solutions: Bringing nearly 30 years of international insurance expertise, Azimuth focuses on service excellence and ethical conduct, providing exceptional value in the health and travel insurance market.
- Petersen International Underwriters: For over four decades, Petersen has been recognized for expertise and innovation. They specialize in unique life and health insurance products that often cover gaps standard markets may miss.
- Travel Insurance Services (TIS): Whether you need medical evacuation or coverage for parents visiting from abroad, TIS fulfills these needs with appropriate coverage at reasonable premiums.
Domestic, Dental, & Trip Protection Specialists
- Travelex Insurance Services: A powerhouse in trip protection, Travelex delivers innovative insurance products at competitive prices, backed by excellent customer service for those worried about flight protection.
- Allstate Health Solutions: A trusted household name, Allstate helps thousands find health insurance daily. Their variety of plans and benefits are designed to meet unique coverage needs, including short-term options.
- Careington International Corporation: An established leader in the dental access market, Careington offers industry-best products focused on individual health and well-being, ensuring your smile is protected too.
Travel Insurance Companies Comparison: Who Does What?
When you compare travel insurance companies, it is helpful to visualize who is responsible for which part of your experience.
| Feature | Buying Direct from an Administrator | Buying via Insubuy (Broker) |
|---|---|---|
| Plan Selection | Limited to that one company’s plans. | Access to best travel insurance companies in one place. |
| Price | Standard regulated prices. | Same price (No extra fees). |
| Unbiased Advice | No. They must sell their own product. | Yes. We highlight the pros and cons of every plan. |
| After-Purchase Support | You face the insurance company alone. | We work on your behalf. Before, during, and after the sale, Insubuy’s team is here to support you. |
| Ease of Comparison | Difficult. You must visit multiple sites. | Simple. View a travel insurance companies comparison on a single screen by getting quotes. |
Who Are the Best Travel Insurance Companies for Visitors to the USA?
The "best" company often depends on the traveler's medical history.
- For Pre-Existing Conditions: Companies like WorldTrips (Atlas America) and IMG (Patriot America Plus) are often highly rated for their "Acute Onset of Pre-Existing Conditions" benefits.
- For High Medical Limits: Partners like IMG and Trawick International often offer substantial policy maximums for older travelers.
- For Brand Recognition: Many families prefer Blue Cross Blue Shield Global Solutions for their familiarity with the name.
Why Buy from an Independent Broker?
When you search for what companies offer travel insurance, you will find dozens of results. Here is why savvy shoppers choose Insubuy:
- Transparency: We don't hide the fine print. If a plan has an exclusion that affects you, we tell you upfront.
- Post-Sale Support: If the insured has a medical emergency, you are already stressed. You shouldn't have to battle an insurance call center alone. Our MyAccount portal and dedicated staff help navigate the process.
- Trust: We have been serving the international community for over 25 years, earning top ratings from TrustPilot and Google.
Frequently Asked Questions (FAQ)
What are the best travel insurance companies?
There is no single "best" company for everyone. The best company is the one that fits your age and health history. Top-rated partners on Insubuy include IMG, WorldTrips, and Trawick International. Get instant quotes to see which plan suits your specific needs.
Does it cost more to use a broker like Insubuy?
No. Insurance prices are regulated by law. You pay the exact same price whether you buy from Insubuy or directly from the insurance company. The advantage of Insubuy is our unbiased advice and enhanced support.
How do I compare travel insurance companies effectively?
Avoid visiting individual company websites. Use a comparison marketplace like Insubuy. Enter your travel dates and age, and you can see a side-by-side travel insurance companies comparison showing deductibles, policy maximums, and pre-existing condition coverage.
Who are the best travel insurance companies for pre-existing conditions?
For visitors to the USA, companies offering "Acute Onset of Pre-Existing Conditions" coverage are essential. Many of our partners, including WorldTrips and IMG, offer plans specifically designed for this need.
Ready to protect your trip?
Don't guess with your family's safety. Click here to get instant quotes and find the perfect plan in minutes.
Get instant quotes for this plan and purchase today!
Can't find answers to your questions?
Ask our specialists - Licensed and experienced insurance professionals in the U.S.