Travel insurance for travellers should include providers that cover medical emergencies, lost luggage, and trip delays. That’s why frequent travellers choose flexible plans that save money, provide peace of mind, and make their every trip safer, whether it’s a short holiday or a long trip.
Choosing your preferred travel insurance not only protects your wallet, but it also gives you confidence to enjoy your trip without worrying about what might go wrong. Whether you’re a digital nomad hopping between countries, a family on holiday, or a frequent flyer for work, the right plan can save thousands in unexpected bills and smooth out travel issues.
In this guide, I’ll share some of the top travel insurance options in 2025 that travellers like me trust and actually use. These are the providers that offer flexible coverage, reliable support, and peace of mind no matter where your passport takes you.
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1. Allianz Travel Insurance
Allianz is one of the biggest names in the travel insurance world, and for good reason. With decades of experience and a reputation for reliability, it’s often the first choice for travellers who want peace of mind no matter where they’re going. Allianz offers a wide range of policies, from single-trip cover to annual multi-trip plans that are perfect for frequent flyers.
For me, what makes Allianz stand out is its comprehensive medical coverage and fast claims process. For many travellers, knowing they won’t get stuck with huge hospital bills overseas is the number one priority, and Allianz has built a strong reputation for handling emergencies quickly and professionally.
Another bonus is that their customer support is available worldwide, so you’re never left on your own when something goes wrong.
Whether you’re planning a family holiday, a business trip, or long-term travel, Allianz travel insurance is a reliable option. It’s especially popular with travellers who want broad coverage and the confidence of choosing a well-established provider.
2. Cover-More Travel Insurance
Cover-More is a favourite among Australian and New Zealand travellers, and it’s easy to see why. They’ve been around for years and are known for offering flexible policies that suit everything from short getaways to extended overseas adventures.
One of their biggest strengths is how customisable their plans are. You can choose the level of cover that fits your trip, whether that’s basic medical protection or a comprehensive package that includes cancellation, lost luggage, and even rental car excess.
For frequent travellers, Cover-More also offers annual multi-trip insurance, which can save a lot of money if you’re flying multiple times a year. Another standout is their 24/7 global assistance service, giving you round-the-clock support no matter where you are. They’re also trusted for their straightforward claims process, which is a big plus when you’re dealing with unexpected hiccups mid-trip.
If you’re based in Australia or New Zealand and looking for travel insurance that’s reliable, flexible, and easy to manage, Cover-More is one of the best options for 2025.
3. SafetyWing
If you’re a digital nomad or someone who spends months abroad, SafetyWing is a travel insurance provider you’ve probably already heard about.
Designed with long-term travellers in mind, SafetyWing offers subscription-style insurance that works a bit differently from traditional policies. Instead of paying upfront for a single trip or a year-long plan, you pay a monthly fee, almost like a Netflix subscription for travel insurance.
I personally use SafetyWing, and what makes it so popular is its flexibility. You can sign up even after you’ve already started travelling, and your coverage continues as long as you keep paying. It’s especially appealing for remote workers and frequent travellers who don’t always know when their next trip will be or how long they’ll stay.
Their plans cover essentials like medical emergencies and evacuations, and you can also add extra protection for things like travel delays or lost baggage. It has now become a go-to choice for digital nomads, backpackers, and anyone who values convenience and affordability while living or travelling abroad.
4. Southern Cross Travel Insurance
Southern Cross Travel Insurance is a trusted name for travellers from New Zealand and Australia, offering strong cover that’s well-suited for both short trips and long-haul adventures. They’re known for their straightforward policies and solid medical protection, which gives travellers confidence when heading overseas.
One of their biggest strengths is their focus on medical cover, which is often the most important part of any travel insurance policy. Whether it’s a minor accident or a major medical emergency, their plans are designed to keep you protected without leaving you with massive out-of-pocket expenses.
They also offer coverage for cancellations, delays, and lost baggage, which comes in handy if your plans suddenly change. For frequent travellers, Southern Cross has annual multi-trip options, making it easier (and often cheaper) than buying individual policies every time you fly.
Their responsive support team and easy claims process also mean you won’t be left stressing over paperwork while you’re supposed to be enjoying your trip. So if you’re looking for reliable, no-nonsense travel insurance for 2025, Southern Cross is definitely worth considering.
5. Travel Insurance Direct
For travellers who want flexibility and value for money, Travel Insurance Direct is a solid option, especially popular with Australians heading abroad. Their policies are easy to understand, quick to purchase online, and can be tailored to different types of trips, whether you’re going on a short holiday, a family vacation, or an extended journey.
One of the best things about them is the ability to customise your cover. You can choose add-ons for adventure sports, high-value items, or even rental car excess, so you’re only paying for what you really need. Their policies cover essentials like medical emergencies, cancellations, and lost luggage, while still keeping prices competitive.
Another standout feature is their online support and claims process. Travellers appreciate how straightforward it is to submit a claim and get updates, which can be a huge stress reliever if something goes wrong overseas. For frequent travellers, Travel Insurance Direct also offers annual multi-trip policies that make life a lot easier.
So if you want affordable and flexible travel insurance for travellers in 2025, Travel Insurance Direct is definitely a strong contender!
6. World Nomads
If adventure is part of your travel style, World Nomads is one of the best travel insurance options out there.
This provider is especially popular among backpackers, solo travellers, and anyone who plans to try activities like hiking, diving, skiing, or even bungee jumping. Unlike many insurers, World Nomads covers a wide range of adventure sports, making it a top pick for thrill-seekers who don’t want to worry about exclusions.
Their policies also include essentials like medical emergencies, trip cancellations, and lost belongings. Claims can be lodged online, which is convenient if you’re on the move. Another highlight is that you can extend your coverage while travelling, so if your trip lasts longer than expected, you don’t need to cut it short or go without insurance.
World Nomads is trusted by frequent travellers worldwide and is often recommended by travel bloggers and seasoned nomads. If your 2025 adventures include more than just city hopping, this is a solid choice.
7. InsureMyTrip
For travellers who like comparing options before deciding, InsureMyTrip is a great solution. Rather than being a single insurer, it’s a comparison platform that lets you browse multiple policies side by side. This makes it easier to find the plan that fits your needs, whether you’re looking for the cheapest option, the most comprehensive cover, or something tailored to a specific type of trip.
InsureMyTrip is especially handy for frequent travellers because you can quickly see annual multi-trip plans, high-coverage policies, or providers that specialise in medical emergencies. The platform also highlights customer reviews and ratings, so you get a sense of how reliable each insurer is when it comes to claims.
If you’re not sure which travel insurance to pick for 2025, InsureMyTrip helps take out the guesswork by putting everything in one place. It’s a smart choice for anyone who wants peace of mind before booking that next big adventure.
8. AXA
With a global reputation and decades of experience, AXA is another top option for frequent travellers in 2025. Known for their reliable emergency services and wide international network, AXA offers policies that are particularly strong when it comes to medical cover and emergency evacuation.
Their plans are flexible, covering single trips, multi-trip annual policies, and even special packages for students or families. What makes AXA especially appealing is its round-the-clock multilingual support team, which is a huge plus if you run into problems overseas and need help fast.
AXA also includes standard protections like cancellations, lost baggage, and trip delays, but it’s their medical support and responsiveness that travellers highlight most. For those who value 24/7 assistance and a brand that’s recognised around the world, AXA is a reliable choice.
So if you want dependable travel insurance for travellers in 2025 that comes with global support and solid coverage, AXA Assistance is definitely worth considering.
Finding the best travel insurance really depends on your travel style. Each option on this list offers protection against medical emergencies, cancellations, and lost luggage. Frequent flyers, families, and digital nomads can benefit from tailored policies. No matter what travel insurance you choose, getting one that fits your travel style and needs gives you peace of mind and simply focus on your trip.