Compare travel insurance: 6 top plans side by side
What each plan pays if you cancel, get sick abroad or your flight is held up, and the last day you can buy the parts that have a deadline.
Short answer
As of November 12, 2026, from Select Your Cover's read of 6 insurers' plan documents:
The deadline to add cancel for any reason cover runs from 24 hours after your first trip payment (Generali) to 21 days (Travelex and Trawick). On every plan here it is an optional add-on. Travel Guard pays back 50% of your cancellation penalties under it; the others pay up to 75%. Emergency medical limits run from $150,000 to $500,000, and Generali's medical cover pays after any other health insurance you have.
All plans at a glance
Checked November 12, 2026. How we check
One comprehensive single-trip plan per insurer, for US residents. Tap "Wording" on any value to read the exact policy text. Prices depend on your trip, so we don't show them.
Cancel for any reason pays back
Lets you cancel for a reason the policy doesn't list. You get part of your trip cost back.
Not ranked: Seven Corners, where the plan page and the plan document differ.
Time to add cancel for any reason
To add cancel for any reason, you must buy within this window.
Time to get the pre-existing waiver
Buy within this window and a condition you already have can be covered.
Not ranked: these plans start the clock from different payments.
Emergency medical
Doctor and hospital bills if you get sick or hurt on the trip.
Medical evacuation
Getting you to a hospital that can treat you, or home.
Medical pays first or second
Primary pays first. Secondary waits for your own health insurance.
Trip cancellation
Your prepaid, nonrefundable costs if you cancel for a covered reason.
Trip delay
Meals and a hotel when your trip is held up this long.
Baggage loss
Lost, stolen or damaged bags and belongings.
Cancel for work reasons
Cancelling because of your job, such as a layoff or being told to work.
The last day to buy, plan by plan
Two valuable parts of a travel policy have a deadline: cancel for any reason, and the waiver that lets a pre-existing medical condition be covered. Enter the date you first paid for your trip.
Add the date of your first trip payment to see your deadlines.
| Plan | Last day for cancel for any reason | Last day for the pre-existing waiver |
|---|---|---|
| Seven CornersTrip Protection Choice | Cancel for any reason: Within 20 days of your first payment | Pre-existing waiver: Within 20 days of your first payment |
| IMG (iTravelInsured)iTravelInsured Travel LX | Cancel for any reason: Within 20 days of your first payment | Pre-existing waiver: Counts from your final paymentAdd your final payment date above to see the day. |
| Generali Global AssistancePremium (GGA300) | Cancel for any reason: Within 24 hours of your first payment | Pre-existing waiver: Counts from your final paymentAdd your final payment date above to see the day. |
| Travelex Insurance ServicesTravelex Ultimate (UZ-1224) | Cancel for any reason: Within 21 days of your first payment | Pre-existing waiver: Within 21 days of your first payment |
| Travel Guard (AIG Travel)Deluxe (product 643403) | Cancel for any reason: Within 15 days of your first payment | Pre-existing waiver: Within 15 days of your first payment |
| Trawick InternationalPathway Premium (product 667) | Cancel for any reason: Within 21 days of your first payment | Pre-existing waiver: Within 21 days of your first payment |
Insurers count from the day they receive your payment, and most add other conditions, such as insuring your full trip cost or being fit to travel when you buy. The table below quotes each rule from the plan document.
Questions travelers ask
How we read these plans
We downloaded each insurer's plan document, quoted the wording for every fact, and noted where the insurer's own plan page says something different. The full process is on how we check facts.
More guides
This compares plan documents and plan pages downloaded on 2026-11-12. It is not insurance advice, and we are not an insurance agent. Read the plan document for your state before you buy.