Travel Insurance 2026: What You Actually Need vs What They Sell You

Introduction

Travel insurance is the least exciting part of trip planning—until you need it. In 2026, the industry is worth $27 billion, filled with confusing policies, hidden exclusions, and aggressive upselling. This guide helps you buy smart coverage without overpaying.

Key Coverage Types

Medical emergency, evacuation, trip cancellation, baggage loss, and adventure activity riders. Understanding limits, exclusions, and when you're actually covered versus marketing promises.

Best Providers 2026

SafetyWing for nomads, World Nomads for adventure, Allianz for comprehensive, IMG for long-term, and credit card benefits analysis.

Common Exclusions

Pre-existing conditions, extreme sports without riders, alcohol-related incidents, traveling against government warnings, and unattended baggage claims.

Claims Process Reality

Documentation requirements, average payout times, denial reasons, and how to appeal successfully with evidence and persistence.