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Legitimate Travel Insurance Companies (BBB Accredited)

Wish to prepare for an upcoming trip abroad, compare plans, coverage levels, and prices and purchase a policy that will protect you from a variety of unexpected situations?

Buying a policy online from legitimate, law-abiding and trustworthy providers is the best way to avoid the risks of being exploited, overcharged, scammed or ripped off.

This list provides information about travel insurance companies approved by the Better Business Bureau, after being thoroughly reviewed by the national consumer organization and successfully meeting all their strict requirements.

Legitimate Travel Insurance Companies (BBB Accredited)

Seven Corners


Travelex Insurance Services


Travel Guard

Allianz Global Assistance


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When a person travels to a foreign country, either for business, pleasure or any other purpose – anything can happen, and things can go wrong quickly.
Some people may face an urgent need to cancel a scheduled trip or deal with a lost or stolen suitcase that never made it to the plane.

Others may find themselves in circumstances where they need medical treatment when getting sick or having an accident, S.O.S air evacuation when stuck injured in the middle of nowhere or urgent hospitalization or even immediate life-saving surgery when suffering a health crisis.

Any unpleasant surprise can have a significant effect on an individual’s premade travel plans, financial expenses, and health.
A good insurance policy, bought ahead of time, can provide peace of mind for many of the potential uncertainties, unpredictable events and unexpected scenarios faced by travelers, ranging from minor inconvenient mishaps to serious ‘life or death’ situations.

Travel insurance comes in many varieties and covers different things to fit any traveler’s specific needs or unique trip characteristics.
A relaxed trip in a quiet and peaceful western capital, an adrenaline-pumping vacation for adventurous activities or extreme sports or a journey to an exotic, isolated or remote destination all require very different packages.

International travel coverage usually includes many components, such as:

  • Emergency medical care
  • Medical evacuation and repatriation
  • Trip cancellation or interruption
  • Baggage / mobile phone / laptop / other personal item loss and delay
  • 24/7 worldwide emergency assistance

Consumer Tips: How to Buy Safely and Avoid Travel Insurance Scams Online

Just like any other sector that involves consumers, businesses, and money that switches hands, the travel insurance market also has its fair share of scammers, fraudsters and poor quality providers that operate online and look for potential victims.
Scammers use many illegal, dishonest or unethical ways to trick unsuspecting travelers.

Some poor quality policies offer minimal coverage, which will not reimburse actual expenses in real time and will leave the policy owner in financial chaos or without effective solutions needed to solve the problem.

Some low-end insurers are slow to process and respond to customer claims, have endless paperwork requirements and continue to ask for more information or new documents all the time.

Others have a long list of well-hidden exclusions, do not pay their claims promptly and may refuse to honor even legitimate claims, denying most on a serial basis.
These providers do not stand behind the products they sell and do the utmost to reject any claim, using a variety of well-crafted contractual loopholes to their advantage.

Taking these steps will help you find more credible and reliable companies and complete your purchase in a safe, secure and satisfactory way:

Avoid Shady “Trip Protection” Services

Buy an actual travel insurance plan, backed by a reputable underwriter and sold by a real insurer licensed in all 50 states.
Avoid using “alternative” providers that supposedly offer a “similar” service.

Read the Policy

Before purchasing a certain plan, read everything.
Get a complete understanding of what is covered and what is not, to avoid nasty surprises in real time.

Investigate the Travel Insurance Company’s BBB Record

Check the company’s record on the Better Business Bureau’s website.
What you’ll find there, will help you evaluate whether it’s a legitimate business that deserves your money and trust or if you must look elsewhere.

Look for current BBB rating, customer reviews, complaints, warnings and alerts on their business profile.
Also, learn how long it has been in business – a potential indicator of experience and reputation.

If the business is not even listed with the BBB, this is a bad sign.
On the other hand, if the travel insurance carrier is certified as a BBB Accredited Business, it’s an important positive signal.

Pay Close Attention to Red Flags

Learn how to protect yourself better when ordering goods and services on the internet, to avoid scammers and keep safe in general.
Knowing how to check if a website is legitimate or not is the first line of defense.