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Review 2026
Each company is evaluated across five criteria. Scores are weighted and combined into a single BestGuide Score out of 5. See how we rate the brands.
Key Takeaway
InsureMyTrip earns an Expert Score of 4.5/5.0 from BestGuide, ranking among the top travel insurance comparison marketplaces for its side-by-side plan comparisons and licensed customer support. Founded in 2000, it has helped more than 4 million travelers compare plans from up to 28 providers, backed by licensed agents in all 50 states and a Best Price Guarantee.
Best For: Best for travelers with fixed trip dates and costs — cruisers, international vacationers, and families — who want to compare multiple plans and buy with expert support.
Not sure if InsureMyTrip is the right fit? Compare the alternatives
InsureMyTrip is a travel insurance comparison marketplace founded in 2000 and based in Warwick, Rhode Island. Owned by IMT Services, LLC, it lets travelers compare and buy plans from up to 28 vetted insurance providers side by side, rather than selling its own policies. Over more than 25 years it has helped more than 4 million travelers find coverage, backed by a Customer Care team of agents licensed in all 50 states who assist with plan selection and claims at no extra cost.
Founded
2000
Travelers helped
4M+
Providers compared
Up to 28
See If You Qualify
Visit the site to get started in less than a minute.
Start by entering your destination, travel dates, traveler ages, and total trip cost on the InsureMyTrip website. The system generates real-time quotes from multiple providers within seconds, and you don't need to create an account to see prices.
InsureMyTrip displays plans from up to 28 insurance companies so you can compare coverage limits, deductibles, and premiums in one view. You can filter by plan type (comprehensive, medical only, cruise, annual) and add optional coverages like Cancel for Any Reason (CFAR).
Once you select a plan, you buy it through InsureMyTrip and receive your policy documents by email. After purchase, licensed agents are available by phone, chat, or email, and InsureMyTrip offers complimentary claims assistance to guide you through the process with your insurer.
InsureMyTrip is best for travelers who want to compare several travel insurance plans quickly and buy with confidence.
Not ideal for digital nomads or long-term travelers without a fixed end date, since quotes require specific trip dates and costs.
Side-by-Side Plan Comparison
Compare coverage limits, deductibles, and premiums from up to 28 providers in a single view, filtered by plan type and trip needs.
Licensed Customer Care
Agents licensed in all 50 states help you choose a plan and assist with claims at no extra cost — a step beyond many self-service comparison sites.
Best Price Guarantee
If you find the same plan for a lower price elsewhere within 24 hours of purchase, InsureMyTrip refunds the difference.
Money-Back Guarantee
Cancel your policy within the free-look window (typically 10–15 days, varies by plan and state) for a full refund, as long as you haven't started your trip or filed a claim.
Cancel for Any Reason (CFAR)
Many plans offer CFAR as an add-on, reimbursing roughly 50%–80% of prepaid trip costs; it must usually be purchased within 10–21 days of your first trip payment.
Complimentary Claims Assistance
InsureMyTrip helps guide you through filing a claim with your chosen insurer at no additional cost.
Pros
Cons
InsureMyTrip is a legitimate travel insurance comparison marketplace that has operated since 2000 — more than 25 years. Owned by IMT Services, LLC and based in Warwick, Rhode Island, it is licensed to sell insurance in all 50 states and has helped more than 4 million travelers find coverage. InsureMyTrip is not an insurer itself; it compares and sells plans from up to 28 vetted insurance companies, so your policy's financial strength depends on the underwriter you choose. There are no known regulatory actions against the company, and its Best Price and Money-Back guarantees add consumer protection.
InsureMyTrip earns an Expert Score of 4.5/5.0 from BestGuide, making it a top choice for travelers who want to compare multiple travel insurance plans with expert support. Its strengths include side-by-side comparisons from up to 28 providers, agents licensed in all 50 states who help with claims at no extra cost, and consumer-friendly Best Price and Money-Back guarantees. The trade-offs: it doesn't list every insurer, and you need fixed trip dates and costs to get a quote, which limits its use for digital nomads or open-ended travel. For most vacationers, cruisers, and international travelers, InsureMyTrip is a reliable, transparent way to find coverage.
BestGuide's expert panel rates InsureMyTrip 4.5/5.0, highlighting its side-by-side plan comparisons, licensed customer support, and 25-plus-year track record. It's considered one of the most reliable travel insurance comparison marketplaces.
Yes, for travelers who want to compare plans from multiple providers quickly. It's free to use, offers free claims assistance, and backs purchases with Best Price and Money-Back guarantees.
InsureMyTrip compares plans from up to 28 providers and stands out with agents licensed in all 50 states and a Best Price Guarantee. Like any marketplace, it doesn't list every insurer, so it's worth checking coverage details before you buy.
InsureMyTrip is free to use — you pay the same premium as buying directly from the provider. Travel insurance itself typically costs 4% to 10% of your total prepaid trip cost, or about $40 to $100 on a $1,000 trip.
Yes. You can cancel within the free-look window (typically 10–15 days, varying by plan and state) for a full refund, as long as you haven't started your trip or filed a claim.
Yes, many plans offer CFAR as an optional add-on. It typically reimburses 50%–80% of prepaid trip costs and must usually be purchased within 10–21 days of your initial trip payment.
Travelers with fixed trip dates and costs — cruises, international vacations, and family trips — plus seniors, students, and frequent travelers looking for specialized or annual plans.
No. InsureMyTrip is a comparison marketplace that partners with up to 28 insurance companies. You purchase the policy from the provider, not from InsureMyTrip.
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