Travel insurance reviews: TOP 3 options for international travels

Have you ever had a mishap during a getaway? If you’ve missed a flight, lost your luggage or, worse, faced a health issue far from home, then you already know how important it is to be prepared. Dealing with these situations is much harder when you’re away from your comfort zone. When the time comes, you’ll want to know who to turn to and have resources at hand to sort things out as quickly as possible. That’s why today we ‘ve gathered travel insurance reviews.

Far from being just another expense or a dispensable part of your travel budget, travel insurance lets you enjoy your trip with peace of mind. With it, you protect both your health and your money. Choosing one can be tricky though, since there are plenty of insurers in the market and a wide variety of policies to pick from. In this article, we’ll review the best travel insurance you can buy from Spain, from the United States and from several Latin American countries. Travel safe to your next destination!

Why should you take out travel insurance?

It’s normal that when planning a trip we focus on building itineraries, making bookings and listing the places we don’t want to miss. However, there are less exciting matters that should not be overlooked. One of them is insurance. It is essential to be covered for missed flights or lost luggage, falls, minor health issues or even more serious problems. You’ll enjoy your trip much more if you know you’ll receive help when you need it. Although coverage depends on the policy you buy and the insurer you choose, these are the key benefits of the best travel insurance options.

Medical protection abroad

Imagine facing a health emergency in a country where medical care is expensive or where language is a barrier. With travel insurance, you get medical coverage without worrying about the bills. This protection may include anything from a simple consultation to hospitalisation, surgery and repatriation in extreme cases. In addition, some insurers offer coverage for pre-existing conditions — a key factor for travellers with specific medical needs.

Support in case of incidents

Flight cancellations, lost luggage, delays… unexpected incidents can ruin your trip and generate extra expenses. A good travel insurance policy covers you in these scenarios, offering compensation that helps cover the costs of lost luggage, delays or even cancelled flights. This way, you can continue your journey without major impacts on your budget or your plans.

Immediate assistance

Travelling with the peace of mind of having 24/7 assistance is one of the greatest advantages of travel insurance. These policies often provide immediate help in several languages, which is crucial to get assistance smoothly anywhere in the world. Many insurers even offer an app or Live Chat to manage incidents. Thanks to this and to the Holafly monthly plans, you’ll always be in touch with them. You’ll be able to solve issues with your luggage or flights almost immediately. You’ll also organise your medical assistance quickly.

Financial backup and peace of mind

An emergency can increase your travel budget considerably. Taking out insurance reduces this financial risk, since it covers medical expenses, repatriation and other costly incidents. This way, you can enjoy your trip without worrying about the potential economic impact of an unexpected situation.

Best travel insurance to buy in Spain

Do you live in Spain? The range of insurers in the country is very wide. But not all of them offer the same guarantees or respond equally well in emergencies, so it’s useful to identify which stand out in each category. When you’re about to buy a travel insurance in Spain, you should take into account the coverage, but also other users’ reviews, how easy it is to contact the company in case of emergency, and their customer service hours. Let’s see which insurers stand out in some key categories so you can choose an insurance policy that really fits your needs:

Best travel insurance for medical coverage and emergencies

Having solid medical coverage abroad is essential, especially if your destination has high healthcare costs. Travel insurance with extensive medical emergency coverage protects you against unexpected health problems. You’ll have access to hospitalisation, surgery and repatriation without worrying about the bills. Some of these policies even include coverage for pre-existing conditions, which is a big plus for travellers with ongoing medical needs.

1. IATI Estrella: IATI is one of the leading travel insurance providers in Spain, particularly for its medical coverage. The IATI Estrella policy covers medical expenses up to €5,000,000 and also includes 100% repatriation. Unlike many other insurers, IATI does not require you to advance money to receive care and allows consultations through its mobile app, making it easier to manage emergencies. This plan also includes extended coverage for adventure sports, ideal for those planning riskier activities. The cost for 7 days is $76.64 (€70.87).
2. AXA Seguro Total Plus: this AXA insurance is perfect for travellers seeking high-quality medical care anywhere in the world. It offers up to $158,700 (€150,000) in medical coverage and unlimited repatriation, with the option to add adventure sports coverage. AXA also stands out for its international medical network and 24/7 support. You’ll get help at any time of the day, anywhere. This plan is particularly valued by those who want access to top medical facilities. Its price is $86.81 (€80.28) for 7 days.
3. Heymondo Premium Travel: Heymondo is a modern insurer that offers up to $10,580,000 (€10 million) in medical expenses in its Premium plan. In addition to unlimited repatriation, it allows remote medical consultations via its app and real-time emergency management. For outdoor enthusiasts, this insurance also includes adventure sports and provides civil liability coverage of up to €60,000. The cost for 7 days is $82.18 (€76.01).

Best insurance to cover travel incidents

Losing luggage or facing a delayed or cancelled flight is one of the most common travel issues, especially on long trips. Having an insurance policy with generous coverage for these situations will save you from spending a significant extra amount. Some policies cover hotel nights or meals while waiting for a new flight and also compensate you if your belongings are never recovered. These are some of the insurers offering the best compensations:

1. IATI Mochilero: perfect for those seeking reliable coverage against travel incidents, the IATI Mochilero insurance offers up to $2,690 (€2,500) for lost luggage and reimbursement for delays of up to $323 (€300). This policy also covers adventure sports, making it ideal for backpackers exploring actively. IATI is also well known for its quick customer service, which makes handling unexpected issues easier. The price for 7 days is $58.39 (€53.99).
2. Intermundial Totaltravel Premium: Intermundial stands out for its protection against travel incidents in its Premium plan, with up to $3,385 (€3,200) coverage in case of lost luggage and assistance for flight delays. Its option to extend coverage to adventure sports makes it an excellent choice for active travellers. Moreover, it allows free date changes in case the trip gets postponed, offering more flexibility in unexpected situations. The cost for 7 days is $70.93 (€65.78).
3. Heymondo Top Trip: Heymondo provides up to $2,690 (€2,500) in compensation for lost or stolen luggage in its Top Trip plan, a solid option for travellers wanting peace of mind. It also includes an app to manage incidents and offers 24/7 support in Spanish, making it easier to quickly resolve luggage or flight delay problems. The cost for 7 days is $61.82 (€57.18).

Best travel insurance for customer service and conditions

When something happens abroad and you feel unprotected, being able to reach your insurer anytime is invaluable. A smooth, fast, and preferably native-language communication can make a huge difference. Many insurers now offer 24/7 customer service, transparent conditions, and easy claims handling. These factors can change everything during an emergency. Based on travellers’ previous experiences, these are the best in Spain:

1. IATI: IATI offers 24/7 English-language support. Plus, its app lets you manage emergencies directly from your phone, which is especially useful on long trips.
2. Chapka: Chapka is well known for its high-quality customer service. You can contact them at any time by email or phone.
3. AXA Total Insurance: AXA’s support is recognised for its speed and efficiency, especially in medical emergencies. Thanks to its global network, travellers can access top-quality healthcare, while its 24/7 emergency support ensures immediate assistance regardless of destination.

Best travel insurance by price and customer reviews

Worried about your budget? You shouldn’t be. There are affordable travel insurance options in Spain that let you travel covered without breaking your budget. If you don’t need extensive coverage, many insurers offer basic plans. Moreover, several of them also stand out thanks to positive customer reviews. These are some good value-for-money options:

1. Chapka Cap Basic: Chapka is well known for its affordable prices and full adventure sports coverage, a benefit rarely included in cheap insurance. The Cap Basic plan covers up to $269,500 (€250,000) in medical expenses and includes full adventure sports coverage at no extra cost, making it ideal for travellers seeking adventure at a fair price. The cost for 7 days is $28.78 (€26.76).
2. Heymondo Essential Trip: Heymondo offers an affordable option with up to $647,400 (€600,000) in medical coverage plus an app to manage incidents. It also includes 24/7 Spanish support and flight delay coverage, making it an economical alternative for travellers seeking protection without high costs. The price for 7 days is $33.03 (€30.55).
3. IATI Basic: the most basic option is also an excellent choice. For just $35.58 (€32.90) over 7 days, you’ll get 24/7 support, up to $107,900 (€100,000) in medical coverage and up to $540 (€500) compensation for lost or stolen luggage.

Best travel insurance by extra services

Beyond medical and incident coverage, some insurance plans include extra services such as legal assistance, protection for risky activities, and mobile apps for claims management. These additional features improve the travel experience and can be extremely valuable in complex situations.

1. IATI Estrella: the Estrella plan covers adventure sports and lets you add a “Premium Adventure” clause for extreme activities like canyoning or rafting. It also includes legal assistance abroad and allows you to handle emergencies via its mobile app, ensuring quick help in difficult situations. The cost for 7 days is $76.64 (€70.87).
2. Heymondo Premium Trip: this plan includes remote medical consultations and incident management through its app, making it easier to access healthcare abroad. It also covers risky activities and adventure sports, plus civil liability up to $64,700 (€60,000). Perfect for travellers seeking extra protection during outdoor activities. The price for 7 days is $82.18 (€76.01).
3. AXA Total Plus Insurance: AXA stands out with its coverage for adventure sports and global healthcare network. This plan also offers strong legal assistance and civil liability cover, with options to add specific protection for risky activities. It’s ideal for travellers who want legal backing and full protection during extreme sports. The cost for 7 days is$86.81 (€80.28).

Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍

Best travel insurance to buy from Spain

Choosing the best travel insurance isn’t easy, especially with so many options available in the market. However, after analysing the alternatives, IATI stands out as one of the best travel insurance choices for travellers departing from Spain. It outshines other insurers by combining comprehensive coverage, flexibility in its plans, and personalised Spanish-language support, something essential for many travellers. IATI not only offers excellent protection in medical emergencies, with coverage reaching up to $5,390,000 (€5,000,000), but also covers repatriation and assistance in case of lost luggage or cancelled flights. These features make it one of the best travel insurance options in 2025.

One of IATI’s strengths is its ability to adapt to different types of trips and travellers. From short getaways to long adventures, this insurer offers several plans suited to different needs and budgets. The IATI Basic plan is perfect for travellers seeking essential, affordable protection, while the Estrella and Mochilero plans provide extended coverage, including adventure sports and extras like delay compensation. IATI also has an intuitive app that helps manage incidents quickly, which is very convenient in emergencies.

Another strong point in favour of IATI is the trust it inspires among users. With years of experience in the Spanish and Latin American markets, it has built a reputation for reliability and quality service. The 24/7 Spanish-language support and direct service without intermediaries give travellers a much smoother experience in stressful moments.

In summary, thanks to its medical coverage, Spanish support, and flexible options, IATI is the best travel insurance for those travelling from Spain who want peace of mind and complete protection.

Best travel insurance to buy outside Spain

Do you live outside Spain? In that case, you also have excellent coverage options that will let you travel safely. Having good travel insurance can make a huge difference if you face medical emergencies, lost luggage, or last-minute cancellations. Here are the top choices depending on your country of origin:

Travel insurance in Mexico

In Mexico, travel insurance has strong demand, especially for trips to Europe, where some countries require minimum medical coverage. These options provide health protection, incident coverage, and lost luggage assistance, with Spanish-language support and fast response in emergencies:

1. Assist Card: In Mexico, Assist Card has established itself as a reliable option for travellers seeking comprehensive coverage. It offers medical coverage between $60,000 (€56,700) and $150,000 (€141,800), as well as protection for lost luggage and cancellations. Customers benefit from a 24/7 helpline, perfect for immediate help. A week of coverage in Europe costs about $85 (€80).
2. Heymondo Premium Travel: Heymondo Premium Trip: offers strong medical coverage up to $10,800,000 (€10,000,000). It allows remote medical consultations and incident management via its app, with 24/7 Spanish-language support. It also covers adventure sports and civil liability. The price is around $78 (€73) for a week.
3. IATI Standard: ideal for those seeking medical coverage up to $1,080,000 (€1,000,000) without paying upfront. Includes full repatriation and lost luggage protection, plus 24/7 Spanish-language support. IATI’s app also helps manage emergencies. A week costs about $75 (€70).

Travel insurance in the USA

In the USA, travel insurers provide high coverage for medical expenses and emergencies, which is crucial when visiting countries with expensive healthcare. They also cover adventure sports, lost luggage, and hospital care abroad:

1. World Nomads Explorer: ideal for adventure lovers, covering sports like diving, climbing, and skiing. Medical coverage reaches $100,000 (€93,000), including repatriation and lost luggage protection. The cost is about $125 (€116) for one week.
2. IATI Mochilero: designed for US travellers seeking adventure, it includes risky sports coverage and up to $500,000 (€464,000) in medical expenses. It also covers lost luggage and repatriation, with emergency management via app. The price is about $110 (€102) for one week.
3. Allianz Global Assistance Basic: popular for its reliable but affordable coverage. It includes up to $50,000 (€46,000) in medical care, plus repatriation and luggage compensation. One week costs about $95 (€88).

Travel insurance in Chile

In Chile, the best travel insurance options focus on broad medical coverage and protection against cancellations and lost luggage. These policies allow travellers to go abroad knowing they’ll have reliable support in unexpected situations:

1. IATI Standard: offers up to $1,051,430 (€975,000) in medical expenses, full repatriation, and 24/7 Spanish-language assistance. Emergencies can be managed quickly through its app. A week costs about $70 (€65).
2. Intermundial Totaltravel Premium: Intermundial Totaltravel Premium: provides up to$2,640,027 (€2,450,000) in medical coverage and up to $3,200 (€2,960) for lost luggage. It also lets you change travel dates at no extra cost. One week costs about $65 (€60).
3. International travel insurance Mapfre: Mapfre: Mapfre has become a reliable option for Chilean travellers. Its medical coverage reaches $200,000 (€189,000) and includes compensation for lost luggage, repatriation, and 24/7 assistance in Spanish. Approximate price: $60 (€55) for a week.

Travel insurance in Argentina

In Argentina, popular travel insurance options include broad health coverage and protection against common incidents like lost luggage or cancelled flights. These plans provide effective support abroad, especially in destinations with high medical costs:

1. IATI Estrella: perfect for Argentinians who want complete cover, with up to $5,000,000 (€4,640,000) in medical expenses and adventure sports protection. It also includes repatriation, luggage cover, and instant medical assistance via app. Price: about $75 (€70) for one week.
2. Assist Card: widely used in Argentina, offering between $60,000 (€56,000) and $150,000 (€140,000) in medical coverage. It also includes lost luggage, cancellations, and a 24/7 helpline. Price: about $80 (€75) for one week.
3. Universal Assistance Total: provides up to $100,000 (€93,000) in medical expenses plus adventure sports cover, making it perfect for outdoor lovers. Also includes repatriation and luggage protection. Price: about $80 (€75) for 7 days.

Travel insurance in Colombia

More and more travellers in Colombia choose international travel insurance for high-quality medical care and protection against travel incidents. This is particularly important for those visiting Europe or North America, where medical costs are extremely high without coverage:

1. IATI Mochilero: a complete option offering up to $500,000 (€464,000) in medical expenses, repatriation, and adventure sports cover. Its 24/7 Spanish support and mobile app make travelling abroad much easier. Price: about $65 (€61) for a week.
2. Sura International Travel insurance : Sura is very popular in Colombia, offering up to $100,000 (€93,000) in medical expenses, luggage cover, and legal assistance abroad. A reliable choice for travellers seeking all-round protection. Price: about $68 (€64) for one week.
3. Heymondo Viaje Tranquilidad: Heymondo Tranquility Trip: an excellent choice, with up to $647,000 (€600,000) in medical coverage and adventure sports protection. It also allows remote medical consultations and incident handling through its app. Price: about $60 (€56) for 7 days.

What should travel insurance cover?

Travel insurance must offer comprehensive protection against different unexpected situations. The most important elements are:

• Emergency medical cover: Essential to deal with accidents or illnesses abroad. Includes hospitalisation, consultations, medication, and sometimes specialist care.
• Emergency repatriation and transport: Ensures return to your home country in cases of severe medical emergencies or death, covering transport and related expenses.
• Luggage loss or damage: Protects against lost, stolen, or damaged luggage, offering compensation to cover the value of missing or damaged items.
• Trip cancellation and interruption: Covers non-refundable costs if your trip is cancelled or interrupted for valid reasons like illness, family emergencies, or other unexpected events.
• Adventure sports coverage: If you plan risky activities, it’s important that your insurance includes specific protection for these sports.

A good travel insurance policy must guarantee quick assistance, ideally in the traveller’s language. It should also provide a wide network of hospitals and clinics so travellers can receive help anywhere in the world.

Frequently Asked Questions about the best travel insurance

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