8 Best Travel Insurance Companies for Honeymoons, Ranked

Editor's pick

Allianz is the largest travel insurer in North America by premium volume and the safest default for most honeymooners, largely on the strength of its claims service — MoneyGeek's 2026 analysis awarded it a perfect 100 service score, the highest of any provider evaluated. Its OneTrip Prime plan carries $50,000 in emergency medical and $500,000 in medical evacuation; OneTrip Premier raises evacuation to $1,000,000. Both cover trip cancellation at 100% of prepaid non-refundable costs for covered reasons and trip interruption at 150% on mid- and top-tier plans. Allianz also offers the highest single-plan CFAR rate in the US market — its 'Cancel Anytime' add-on reimburses 80% — though it requires a phone call to add and is capped at $16,000 per traveler. For couples who travel more than twice a year, Allianz's annual multi-trip plan frequently undercuts buying per-trip policies. The main tradeoff is that its base premiums aren't the cheapest, and the best CFAR rate isn't available online. For a mainstream resort, city, or cruise honeymoon, it's hard to go wrong here.

Best for

Most honeymooners wanting proven service and flexible cancellation

Pricing

~5–10% of trip cost; annual plans available

Source: MoneyGeek

Best value

Travelex, underwritten by Zurich American Insurance (A+ AM Best), ranked first for overall quality in U.S. News's 2026 evaluation and second-highest for customer service at 99/100. Its three tiers — Essential, Advantage, Ultimate — scale cancellation limits, medical coverage, and riders. Pricing is accessible: for a $2,500 trip a 30-year-old pays roughly $62 (Essential) to $92 (Ultimate); a 35-year-old on a two-week Mexico trip pays $75–$112 across tiers. A standout for couples planning a familymoon or later family travel: children under 17 travel free on the Ultimate plan. The catches are specific — only the Ultimate plan includes a pre-existing condition waiver and CFAR (75% reimbursement), and both require purchase within 21 days of the initial deposit. Travelex rates only 11th of 13 major providers for affordability, meaning you pay a modest premium for its strong service reputation. For couples who value a smooth claims experience and may travel with family later, it's an excellent, well-rounded choice just behind Allianz.

Best for

Couples wanting strong service and possible family travel later

Pricing

~$62–$112 for a $2,500 trip by tier/age

Source: UpgradedPoints

Seven Corners stands out for sheer coverage ceilings, making it the pick for luxury or remote-destination honeymoons where medical and evacuation costs could be catastrophic. Its flagship Trip Protection Choice plan delivers $500,000 in emergency medical on a primary basis — meaning it pays before your domestic health insurance — and $1,000,000 in medical evacuation, exceeding Allianz's OneTrip Prime evacuation limit and Travel Guard's mid-tier plans. A pre-existing condition waiver is available with a 60-day look-back when the policy is bought within 20 days of the initial deposit. Both CFAR (75% reimbursement) and Interruption For Any Reason are available as optional add-ons. Seven Corners is a 'high-end' provider, so premiums run slightly above average for equivalent coverage — the tradeoff for those ceilings. A 14-day free-look period allows a full refund if you cancel before departure with no claim filed, useful protection against buyer's remorse. If you're honeymooning in the Maldives, on safari, or anywhere far from top-tier medical care, the primary-basis $500K medical is the reason to choose Seven Corners.

Best for

Luxury and remote-destination honeymoons needing high medical/evac limits

Pricing

Above-average premiums for the coverage

Source: U.S. News & World Report

AIG Travel Guard is the most wedding-specific of the major providers, offering three single-trip tiers — Essential, Preferred, Deluxe — plus a dedicated wedding bundle add-on that covers canceled wedding events, uniquely useful for couples pairing a destination wedding with the honeymoon. Emergency medical scales from $15,000 (Essential) to $100,000 (Deluxe), with medical evacuation reaching $1,000,000 on Deluxe, and trip interruption reaching 150% on Preferred and Deluxe. A CFAR upgrade (75% reimbursement, requiring cancellation at least 48 hours before departure) is available on all plans, as is a pre-existing condition waiver if purchased within 15 days of the first trip payment. For a $6,000 international two-week trip for two, sample Essential premiums run about $330–$420, placing it at the higher end of the 5–10% range. The significant caveat, stated plainly: reviews filed in late 2025 and early 2026 describe claims processing times of two to six months, with documentation reportedly requested multiple times. If a wedding-event bundle is your priority, Travel Guard delivers it, but temper expectations on claims speed.

Best for

Couples pairing a destination wedding with the honeymoon

Pricing

~$330–$420 for a $6,000 two-week trip (Essential)

Source: AirAdvisor — Is Travel Guard Worth It in 2026?

World Nomads is the clear pick for adventure honeymoons, and the reason is a coverage gap most couples never read about until after an incident: standard policies quietly exclude or cap adventure activities, often limiting scuba to 18 meters and excluding zip-lining by name. World Nomads instead covers more than 250 named activities across all three US plan tiers — Standard, Explorer, and Epic. Scuba diving to 50 meters is covered on all plans; the Explorer plan adds cave and cavern diving and free diving to 60 meters; Epic extends further and adds cliff diving. Zip-lining, bungee jumping, parasailing, aerial safari, and more are included on all plans with no upgrade. Safari and jungle trekking are standard inclusions, and CFAR is available as an add-on for US residents in most states (New York excluded). The tradeoff is pricing: World Nomads runs above average for equivalent trip cost, reflecting the breadth of covered activities. For couples booking scuba liveaboards, gorilla trekking, or a zip-line circuit, this breadth is exactly the protection a general insurer won't reliably provide — always request written confirmation that your specific activity and depth are named.

Best for

Adventure honeymoons involving diving, trekking, or extreme activities

Pricing

Above-average premiums for the activity breadth

Source: World Nomads USA

IMG's iTravelInsured plans earn their spot on one specific strength: they offer CFAR at 75% reimbursement with a benefit ceiling of $112,500 — the highest maximum dollar amount of any provider MoneyGeek reviewed. For a luxury honeymoon with very large non-refundable deposits — think a $30,000+ trip combining overwater villas, private transfers, and business-class flights — that high CFAR cap can matter more than a marginally better service score, because it means the 75% reimbursement actually applies to the full trip value rather than being truncated by a lower cap. IMG offers a range of comprehensive plans with competitive medical and evacuation limits, and it's a well-established provider in the travel-medical space. The tradeoffs are that IMG's brand isn't as consumer-recognized as Allianz or Travelex, its interface and quoting can feel more insurance-industry than consumer-friendly, and CFAR excludes residents of New York, Washington, and Missouri. For most couples this won't be the first choice, but for a genuinely high-cost honeymoon where maximizing CFAR recovery is the priority, IMG's ceiling is the reason to consider it.

Best for

High-cost luxury honeymoons maximizing CFAR reimbursement

Pricing

~5–10% of trip cost; CFAR raises it

Source: MoneyGeek

Berkshire Hathaway Travel Protection (BHTP) is the value play for couples who want Cancel For Any Reason coverage without a steep premium, offering the lowest-cost CFAR entry point on the market — roughly $44 for a $2,500 trip and about $171 for a $10,000 trip, per MoneyGeek's provider data. For budget-conscious honeymooners who nonetheless want the flexibility to cancel for a non-covered reason, that pricing makes CFAR genuinely affordable rather than a luxury add-on. BHTP is backed by the financial strength of the Berkshire Hathaway name, and its comprehensive plans include the standard suite of trip-cancellation, medical, baggage, and delay benefits. The tradeoffs: BHTP's plans and coverage limits are more modest than the high-ceiling providers like Seven Corners, its adventure-activity coverage doesn't match World Nomads, and availability and specific plan features vary by state. It won't be the choice for a remote luxury trip needing $500K primary medical, but for a moderately priced honeymoon where affordable CFAR is the deciding feature, BHTP delivers that at a price no other major provider matches.

Best for

Budget-conscious couples who want affordable CFAR flexibility

Pricing

CFAR from ~$44 ($2,500 trip) / ~$171 ($10,000 trip)

Source: MoneyGeek

MedjetAssist is ranked here with an important caveat: it is not travel insurance, and it should not replace a comprehensive policy — it's an evacuation membership you layer on top for a specific, meaningful gap. Standard travel insurance evacuates you only to the nearest adequate facility, then its obligation ends; getting home for continued care is often not covered. MedjetAssist fills that gap with a firm guarantee — if a member is hospitalized as an inpatient more than 150 miles from home, MedJet arranges bedside-to-bedside air medical transport to the home-country hospital of the member's choice, with no medical-necessity test, no deductibles, and no cap on the transport cost. It's backed by Lloyd's of London with an A+ AM Best rating. Annual individual membership runs $315; family coverage is $425, with short-term single-trip plans available. Operational limits apply: evacuation must be arranged through MedJet, transport is capped at two flights per year, and you must be an admitted inpatient. For honeymooners heading somewhere far from top medical care, pairing a comprehensive policy with a MedJet membership gives complete coverage — insurance handles cancellations and local care, MedJet handles the flight home.

Best for

Couples honeymooning far from home who want a guaranteed flight home

Pricing

$315/yr individual; $425/yr family; short-term available

Source: MedjetAssist