10 best travel insurance

Travel insurance is required for most visas and for traveler peace of mind. Depending on the services chosen, it may cover doctor calls, hospital treatment, injury recovery, and more. It is not recommended to take the first available insurance. Only by including everything that is useful during the trip, the tourist will be guaranteed full treatment and support.

This ranking presents the best insurance companies and their services. The basic conditions are taken as a basis, additional possibilities are discussed. The list of the best includes organizations with high ratings and stable forecasts, reviews and stories of tourists. They are all suitable for obtaining visas and traveling to most countries in the world.

Top 10 Best Travel Insurances

Basic insurance traditionally includes only treatment and transportation for a certain amount. It is complemented by the necessary services: support during pregnancy and chronic diseases, riding bikes, playing active sports and much more. Most companies offer luggage and flight insurance in case of a flight delay. All options are added to the main contract. When compiling the table, we entered the same parameters for each company: one-time insurance for 30 days in the Schengen countries for an adult from 18 to 64 years old with coverage for a minimum amount, usually 30-35 thousand euros.

Company name	Name of insurance	Cost per month	Number of free additional services
Alpha Insurance	Economy (B)	2 902 rub.	4
Allianz	happy trip	RUB 3,224	9
ERV	Standard Plus	4 262 rub.	13
Tripinsurance	Base	3 294 rub.	2
Ingosstrakh	Travel insurance +	RUB 1,908	2
Tinkoff	Base	RUB 2,414	12
Sber Insurance	Minimum	1868 rub.	13
Reso Warranty	Standard	1947 rub.	12
Sogaz	Program A	2829 rub.	3
Renaissance Insurance	Economy	1669 rub.	12

10 RESO-Garantia

Whether traveling or on a business trip abroad, it is important to remain calm.After purchasing insurance from RESO-Garantia, the stress factor will significantly decrease. The medical travel policy facilitates the visa process and guarantees worldwide support at all times. If the travel budget has already been planned, it is better to insure all unplanned expenses in advance: for the doctor and medicines, medical and transport costs, examination and stay in the hospital, mobile phone payments. The service also includes a useful option to return accompanied by a doctor, which is rare in insurance.

The algorithm of actions in case of an insured event is simple: call a representative of the service company and describe the essence of the problem, after which he will quickly call a doctor or an ambulance, arrange payment of bills. And even if the client began to be treated on his own, if there are checks and prescriptions, the company will return the money spent upon arrival home.

9 Tinkoff

Tinkoff attracted our attention due to the lack of paperwork and operational work. For example, if a tourist has already paid for hospital services, it is enough to send a photo of the invoice and receive compensation. The company offers some of the cheapest policies in Europe, and almost the most expensive in Thailand and Vietnam. The cost of the document to Spain, Bulgaria and Cyprus is the same as the price of competitors. One of the main advantages of the insurer is the coverage of emergency dentistry in full, many reimburse only 200-300 dollars. The standard insurance includes a doctor's call, treatment at home and in the hospital, and transportation.

According to customer reviews, it is clear that many people like the company's fulfillment of obligations even after the expiration of the policy.If the accident occurred on the insured days, Tinkoff will continue to support the client. However, Europ Assistance raises questions, there are many very conflicting reviews about it.

8 Sogaz

Sogaz Insurance Group is the largest Russian insurer, ready to offer excellent conditions for travelers. Depending on the needs and preferences, each tourist can choose programs A - Minimum, B - Optimum, C - Comfort. If the first one includes a relatively small list of insurance services (but it has dentistry that is so necessary sometimes while traveling), then the other two offer a much more extended list. The minimum insurance amount is 35,000 euros, but when traveling to Thailand and a number of other countries, it is recommended to double it at least.

The policy can be customized by specifying additional risks - active sports, an epidemic or a terrorist attack. You can apply for a policy in a variety of ways. The most convenient - through a mobile application or website.

7 Renaissance Insurance

The Renaissance Insurance company offers registration of insurances for all occasions. It also includes policies for travelers going on trips around Russia or abroad. The minimum sum insured for the Schengen countries is 30,000 euros. The cheapest policy includes 12 services, including dentistry, loss of documents, legal assistance, accommodation after hospitalization.

In addition to the standard, a number of options are available for an additional fee.These include luggage insurance, flight delay payouts, and even insurance for your pet in case it needs veterinary care while traveling. Prices for services are more than reasonable, the standard policy is one of the most affordable on the market. The service company the insurer works with is Class Assistance. Reviews about it can be found both good and not very good.

6 Sberbank Insurance

Sber has one of the widest base coats on the market. Depending on the purpose of the trip, it is worth considering additional programs: “Personal lawyer”, “Luggage protection”, “Sports”, etc. With the “Prudent” package, travel insurance will cover the costs due to the postponement or cancellation of the trip, and the “Special Case” guarantees early return home and compensation for an injury resulting from an accident. The minimum amount of insurance protection starts from 35,000 euros. Regardless of the amount of insurance, it covers all risks associated with COVID-19. You can apply for a policy online by receiving its original with an electronic signature of the insurer in your mailbox.

The insurer carefully works out the negative in the reviews and goes to the individual contact with the critics to resolve the issue. Clients highly appreciate the speed of insurance compensation as a result of shifting travel dates for good reasons (with documentary evidence). If problems occur abroad, more time is required to collect data and verify the insured event.

5 Ingosstrakh

In the middle of the rating is Ingosstrakh, which covers the deterioration of health during travel, including emergency intervention, medical assistance in case of injuries and accidents. The company cooperates with 3 assistants: Remed Assistance, Asiser Assistance, Smile Assistance. Ingosstrakh has several profitable additional services: luggage protection, accident insurance, alcohol intoxication assistance, pregnancy complications, as well as assistance with coronavirus.

If during the trip an adult has to stay in a hospital and continue treatment, the company will pay for the return of children home and travel for relatives to visit the victim. When traveling to Thailand, you must remember about the mandatory deductible of $ 50, the company does not reimburse this amount, as well as the need to issue a policy at least 5 days before departure. You can buy a policy to most European countries both before the trip and already during it, but only insured events will be paid after the conclusion of the contract.

4 Tripinsurance

Tripinsurance made it to the top of the list by adding unique options to the €35,000 base insurance. For example, it will not be superfluous for all visitors to Vietnam and other Asian countries to additionally insure themselves for 10,000 euros against an accident. The company has a very favorable contract: even if the insured event occurred on the last day of the policy, the company will pay for the treatment in the next 28 days. Judging by the reviews, the search for a clinic takes up to an hour, and assistance is provided according to a letter of guarantee.This means that the tourist does not have to pay for services first, and then demand compensation from the insurance. All company policies cover the treatment and diagnosis of COVID-19.

Tripinsurance attracts tourists with the possibility of adding protection against injuries during outdoor activities, including riding animals, cycling, playing volleyball, etc. to the basic insurance. She is one of the few companies where it is allowed to issue travel policies, it begins to operate in 5 days. Pregnant women and citizens with chronic diseases should choose ERV because Tripinsurance does not have insurance for these cases.

3 ERV

A worthy third place was taken by ERV, which is part of the European Travel Insurance group. The latter is the largest European network of insurers. Travelers are monitored by the assistance of Euro-Center Holding with offices in most countries of the world. ERV health insurance is favorably distinguished by a decent amount of additional services in the standard package. The policy includes emergency care for chronic diseases and allergies, rescue work, treatment of burns, escort in case of a natural disaster. The company pays for the return of a tourist to his homeland if he was in the hospital and missed the plane.

ERV is great for people with chronic diseases due to its favorable price. There is a good offer for winterers, the policy includes all diseases. There is no increase factor for children and no age limit for adults. However, it is worth mentioning insurance in Thailand and a number of other Asian countries.The amount of coverage is 100 thousand dollars, it cannot be changed, so the policy is expensive. ERV classifies these countries as high risk and adds all sorts of services to the insurance. In addition, not all Asian countries have highly specialized doctors.

2 Allianz

The second place among the best went to Allianz, which was formed in 2012 through the merger of several major insurers. In 2018 it is owned by the German giant Allianz SE. The positive reputation of the company is the merit of the competent Allianz ASSISTANCE (formerly Mondial Assistance) with their quick response, polite attitude and knowledge of the matter. The company's obligations are limited to the amount indicated in the travel policy, which ranges from 30 to 100 thousand dollars or euros (at the choice of the client). When traveling to Turkey, a mandatory deductible of $ 25 is applied, this part is not returned to the victim when contacting a doctor. Additionally, insurance can include protection of luggage and liability of a citizen to others.

The basic policy covers emergency medical care, transportation costs, emergency operations, diagnostic and laboratory tests. In 2021, Allianz received a high ruAAA rating from the Expert RA rating agency, with a stable outlook. In terms of reliability, it is one of the best Russian companies, it receives good ratings in traveler reviews.

1 Alpha Insurance

The leader among the best was Alfa Insurance with a standard package, additional services and ready-made programs. According to the rating agency RA Expert, the company has earned the highest reliability index ruААА, the outlook is stable. Services for insured persons in other countries are provided by the International Assistance Group. Clients have access to a separate telephone line with an employee on duty. There are Russian-speaking operators in Thailand, Finland, Italy, Egypt and a number of other countries.

Under the basic travel policy, the company covers sudden illnesses, physical injuries and accidents. The return of minor children after the death of a relative is also paid. The program is suitable for Russian citizens who travel to Europe and Asia, except for Thailand, Japan and Vietnam. Alfa Insurance has average prices and good service. I would only like to note the timing of damages: judging by the reviews, they are delaying payments and asking for a lot of supporting papers.

Popular vote - which company has the best travel insurance?
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Alpha Insurance

Allianz

ERV

Tripinsurance

Ingosstrakh

Tinkoff

Renaissance

Sberbank

Sogaz

RESO-Garantia

Total voted: 157

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