Are you planning your next adventure and need to know which is the BEST travel insurance in 2023 so you can travel worry-free and enjoy your trip to the fullest? Well, you’ve come to the right place! In this super comparison of travel insurances, we will thoroughly analyze the most recommended travel insurances and share with you our top pick.
So, what is the BEST travel insurance right now?
To determine the best travel insurance options, we considered what is important to us as users, including price, coverage during your stay abroad, variety of insurance types, upfront payment requirements, ease of contact, clarity in terms and conditions, and transparency of the insurance provider’s website.
Based on our research, we have compiled a super comprehensive guide comparing the best travel insurances currently available. We compared the travel insurances offered by MONDO, IATI, Intermundial, Chapka, Mapfre, Allianz, AXA, and some other companies that are not worth mentioning.
If you’re looking for a quick answer to the question “which is the best travel insurance,” the answer is MONDO. They offer the highest coverage, competitive pricing, and a 24-hour medical chat that we find exceptional. MONDO is the insurance we currently use.
However, every trip is unique, so if you want to know which insurance suits your needs best, keep reading.
Comparison of the Best Travel Insurances at Present
Tables are a great way to visualize the strengths and weaknesses of each travel insurance option. We have compared the basic travel insurances offered by each brand. Please note that we compared the prices and coverage of an 8-day trip to the United States.
These are the travel insurances most recommended by travel bloggers
Now that we have shared our recommendation for the best travel insurance on the market, let’s analyze the options in more detail so you can make an informed decision. While MONDO is our top choice, you may need insurance that better suits your specific situation. We will focus our analysis on MONDO, IATI, and Intermundial as these are the most well-known and highly recommended insurances.
MONDO Travel Insurance, the Best Travel Insurance in 2023
There is not much more to add regarding why MONDO is the best option. The comparison table and the explanations provided clearly demonstrate that. However, it is essential to highlight the extremely positive feedback we have received from friends, acquaintances, and colleagues about MONDO’s insurance. The MONDO team is always there when there is a problem, giving us peace of mind knowing they will be there if we ever need them.
One of the things we love about MONDO is that they offer an option for travelers who only require medical assistance. With their “Solo Asistencia” option, you can save some money on the policy and eliminate some unnecessary coverages while still maintaining repatriation coverage. Additionally, MONDO offers low-cost options without compromising the quality of service. If you are a frequent traveler, they also offer long-stay travel insurance or an annual multi-trip insurance to cover all your adventures.
Ventajas de los seguros de viaje de MONDO:
- They offer the highest coverage on the market.
- Best value for money.
- 24-hour medical chat.
- Transparent conditions during the contracting process.
- No upfront payment required.
- Excellent customer service.
- Various interesting options for budget travelers.
- Sports and adventure coverage included in MONDO Top and Premium insurances.
- All Mondo insurances (except Solo Asistencia) with the origin in Spain and destination outside of Spain include flight claims management with AirHelp.
Inconvenientes de los seguros de viaje de MONDO:
- Additional payment required for cancellation coverage.
Opiniones del seguro de viaje MONDO:
It is challenging to distinguish real opinions from paid ones on the internet, but we appreciate MONDO’s transparency in allowing users to leave reviews on platforms like Facebook. Currently, MONDO has a rating of 3.9/5, and all negative reviews have been responded to and resolved. They handle mistakes well, and their ability to manage and address issues is crucial. You can check out all the Mondo reviews on Facebook and Trustpilot, where they have an impressive score of 4.7/5.
Precios del seguro de viaje MONDO:
As mentioned earlier, we compared the basic insurances offered by each company for our main comparison. However, all companies offer additional options with higher coverage. Here are the prices for an 8-day trip to the United States, as well as for a 3-day trip in Europe and a one-month trip to Thailand and Vietnam (all starting from Spain).
IATI Travel Insurance, a Good Travel Insurance and the Most Well-known
IATI is the brand we used for our insurance during the early years of our blog, and it is the most well-known travel insurance provider due to its specialization in this type of insurance and collaboration with travel bloggers. Our experience with IATI has always been positive, but currently, in most cases, MONDO offers more competitive prices and coverage.
IATI’s strength lies in its wide range of insurance options that cater to different types of travelers. They offer IATI Escapadas, IATI Básico, IATI Estándar, IATI Estrella, IATI Mochilero, IATI Camper, IATI Anual, IATI Familia, and many more. If MONDO doesn’t meet your requirements for any reason, IATI is our recommendation.
Ventajas de los seguros de viaje de IATI:
- Many types of insurance options to cater to every traveler.
- No upfront payment required.
Inconvenientes de los seguros de viaje de IATI:
- Coverage can be lower for some destinations, especially in their basic insurances.
- Additional payment required for cancellation coverage.
- The app has limited functionality.
Opiniones del seguro de viaje IATI:
Unlike MONDO, IATI does not allow reviews on Facebook, making it challenging to obtain real feedback for a comprehensive comparison. However, on Trustpilot, IATI has a rating of 3.9/5, and all negative reviews have been responded to. You can check out all the IATI reviews on Trustpilot.
Precios del seguro de viaje IATI:
Similar to the comparison for MONDO, we will share the prices for an 8-day trip to the United States, a 3-day trip in Europe, and a one-month trip to Thailand and Vietnam (all starting from Spain). Please note that using our link will provide you with a 5% discount on IATI insurance.
Intermundial Travel Insurance, the Most Expensive Insurance
Among all the companies we analyzed in this travel insurance comparison, Intermundial is one of the largest and has extensive experience in international travel insurance. However, one of the main reasons why we would not choose insurance from Intermundial is the higher prices without a corresponding increase in coverage. While they are a reputable company that responds well to problems, their policies are significantly more expensive without offering the highest coverage.
Ventajas de los seguros de viaje de Intermundial:
- Good coverage in their insurances.
- No upfront payment required.
Inconvenientes de los seguros de viaje de Intermundial:
- The most expensive insurances.
- Less personalized customer service due to being a large company.
- Additional payment required for cancellation coverage.
Opiniones del seguro de viaje Intermundial:
Intermundial allows users to leave reviews and comments on their Facebook page, and we believe that alone is a significant step towards transparency. Intermundial has a rating of 3.8/5 on Facebook. Additionally, on Trustpilot, Intermundial has a rating of 3.5/5. You can check out all the Intermundial reviews on Facebook and Trustpilot.
Precios del seguro de viaje Intermundial:
For Intermundial, we will share the prices for their three most significant insurances: Totaltravel Mini, Totaltravel, and Totaltravel Premium. Similar to the previous examples, we provide the prices for an 8-day trip to the United States, a 3-day trip in Europe, and a one-month trip to Thailand and Vietnam (all starting from Spain). Please note that using our link will provide you with a 10% discount on Intermundial insurance.
So, which is the best travel insurance?
Now that we have provided you with all the information and shared our opinion, the choice is yours. We are absolutely confident that the best travel insurance is MONDO.
What about the insurance coverage?
MONDO offers insurances with coverage up to €6,000,000, Intermundial up to €1,500,000, and IATI up to €1,000,000. While you may never need medical coverage worth €6,000,000, it’s important to consider other coverages. MONDO offers higher coverage for baggage theft or delay, civil liability, and transportation delays.
What about the best COVID travel insurance?
All three insurances we mentioned in this comparison include COVID coverage. This means that if you contract COVID during your trip, all medical expenses related to the infection will be covered. In some cases, they will even refund your travel expenses if you are unable to travel due to a positive diagnosis or quarantine requirements. Knowing this, MONDO is the best choice as they offer more coverage for a lower price.
Which is the cheapest travel insurance?
The price depends on various factors, especially the coverage you choose. In general, MONDO and IATI offer the most affordable options.
Other insurance options not as interesting
After analyzing the main and best travel insurances on the market, we will discuss other options that may be less interesting but worth considering. These include Chapka, AXA, Allianz, and Mapfre. Each of these companies has its own drawbacks, such as higher prices, lower coverage, upfront payment requirements, or limited coverage for COVID.
Do I really need travel insurance?
Think about it; if you have been saving all year for your dream vacation, the last thing you want is for something to go wrong. However, the reality is that certain things are inevitable and can happen, such as missed flights, lost luggage, thefts, sudden illnesses, and unplanned cancellations.
- You can enjoy your trip without worrying about anything else.
- In case of unexpected medical emergencies or illnesses, you won’t have to spend a single euro.
- If you are unable to go on your trip, you can recover some of the money you invested.
- If your luggage is stolen, you won’t be left empty-handed.
- Travel insurance provides legal assistance in case of trouble in a foreign country.
What should the best travel insurance include?
In addition to the insurance provider you choose, make sure that the policy you select includes the exact coverage you need. A good travel insurance should cover all medical expenses without requiring upfront payment, cover COVID-related complications, provide liability coverage, offer optional trip cancellation, and cover baggage theft or damage.
Before concluding, we have provided answers to some frequently asked questions about travel insurance to help you make an informed decision.
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