Planning an international luxury vacation in 2025? When you’re spending thousands of dollars on business-class flights, 5-star hotels, private tours, and exclusive experiences, one thing you absolutely don’t want to skip is travel insurance. In this guide, we’ll explore 5 types of luxury travel packages with insurance for international trips, what they usually include, who they’re best for, and what to look out for before you book.
The smartest way to protect your trip is to choose luxury travel packages that already include travel insurance or offer it as a convenient add-on. That way, your flights, hotels, and coverage are all handled together—saving you time and reducing the risk of costly surprises.
5 Best Luxury Travel Insurance Companies
Here are 5 well-regarded companies often recommended for luxury or high-end travel insurance in 2025 for expensive international trips, cruises, safaris, and honeymoons.
1. Berkshire Hathaway Travel Protection (LuxuryCare® & Premium Plans)
Berkshire Hathaway Travel Protection (BHTP) is frequently rated among the top travel insurers overall, and it offers a dedicated LuxuryCare® plan aimed at high-value trips.
Why it’s good for luxury trips
- Trip cancellation coverage for very high trip values (up to around $100,000 per person on LuxuryCare in many markets). Berkshire Hathaway Travel Protection.
- High medical and emergency evacuation limits.
- Strong protection for trip delay, missed connection, and lost/delayed baggage.
- Optional Cancel For Any Reason (CFAR) add-on on some plans (where available).
Best for:
Travelers booking expensive, complex international itineraries who want a big-name brand and large coverage limits.
2. Travel Insured International (FlexiPAX & High-Trip-Cost Plans)
Travel Insured International is consistently highlighted as one of the top luxury travel insurance providers, especially for high trip costs.
Why it’s good for luxury trips
- Often recommended as the #1 luxury travel insurance company on specialist comparison sites for trips above ~$15,000. Squaremouth Travel Insurance.
- Plans like FlexiPAX feature:
- 100% trip cancellation and up to 150% trip interruption.
- Solid medical and med-evac limits (e.g., $100,000 / $500,000 on highlighted plans).
- Good fit for multi-country, high-prepaid itineraries.
Best for:
Families, couples, or groups booking luxury tours, cruises, or safaris where virtually everything is prepaid.
3. Tin Leg (Gold & Premium Tiers)
Tin Leg specializes in travel insurance and is frequently ranked as a top option for luxury and high-coverage plans.
Why it’s good for luxury trips
- Offers multiple tiers, with Gold and top-tier plans focusing on:
- Higher medical coverage
- Strong trip cancellation/interruption limits
- Options that work well for adventure-heavy or remote destinations
- Highlighted by luxury-focused travel sources as ideal for discerning travelers who want robust coverage and solid claims service.
Best for:
Travelers doing luxury adventure trips (safaris, expeditions, long-haul active holidays) who still want high-end protection.
4. Travelex Insurance Services (Ultimate & Comprehensive Plans)
Travelex is a long-standing travel insurance brand with plans often recommended in “best of” lists for strong medical and comprehensive coverage.
Why it’s good for luxury trips
- Premium plans (like Travelex Ultimate where available) are specifically cited as “best luxury travel insurance” options with: americanvisitorinsurance.com
- High trip cancellation limits
- Elevated medical and evacuation coverage
- Coverage for cruise disruptions and more complex trips
- Frequently mentioned among top travel insurers for 2025 in expert roundups.
Best for:
Luxury travelers who want a well-known mainstream provider with options tailored for cruises, tours, and family trips.
5. Allianz Global Assistance (Premium & Annual Multi-Trip Plans)
Allianz is one of the largest insurance groups in the world, and its travel division (Allianz Global Assistance) is a staple in many “best travel insurance” rankings.
Why it’s good for luxury trips
- Premium single-trip plans can offer higher limits and more comprehensive benefits than the basic tiers.
- Popular annual multi-trip policies are great for frequent international travelers who do multiple upmarket trips per year.
- Widely trusted brand, often integrated into airlines, OTAs, and cruise bookings.
Best for:
Frequent international travelers who book several luxury trips a year and prefer an annual “set it and forget it” policy.
How to Choose the Best Luxury Travel Package with Insurance
Since offers vary by provider and country, here’s a simple framework to guide you:
1. Define Your Trip Type
- Single destination resort stay? → All-inclusive resort package
- Multi-country cultural journey? → Luxury tour operator package
- Cruise or expedition? → Cruise package with strong evacuation cover
- Fully customized honeymoon or celebration trip? → Luxury travel agency itinerary
- Self-booking online with premium perks? → Premium credit card travel package
2. Calculate Your Total Trip Value
Add up:
- Flights (economy/business/first)
- Hotels or villas
- Tours and transfers
- Prepaid activities and reservations
Your insurance coverage limit should be equal to or higher than this amount.
3. Compare Insurance Coverage Details
Don’t just look at the word “included”—compare:
- Maximum trip cancellation coverage
- Maximum medical coverage abroad
- Evacuation coverage (especially for remote or adventure destinations)
- Coverage for lost or delayed baggage
- Coverage for travel delays (minimum delay time and reimbursement limits)
4. Check Flexibility and Cancellation Policies
For 2025, flexibility is still important:
- Can you change dates or cancel with partial or full refunds?
- Are there options like “Cancel for Any Reason” (CFAR) upgrades (where available)?
When booking luxury experiences, flexibility can save you thousands.
What Does Travel Insurance Typically Cover for Luxury Trips?
While coverage varies by provider, a good travel insurance plan for high-end trips often includes:
- Trip Cancellation & Interruption: Refunds if you must cancel or cut short your trip due to covered reasons (illness, injury, family emergency, etc.)
- Trip Delay: Reimbursement for hotels, meals, and transport if flights are severely delayed
- Medical Expenses Abroad: Coverage for emergency medical treatment outside your home country
- Emergency Evacuation: Transport to the nearest adequate medical facility if required
- Lost, Stolen, or Delayed Baggage: Compensation for personal items and essentials
- 24/7 Assistance Services: Help lines for emergencies, hospital guidance, and coordination
For luxury travel packages, some providers also offer higher coverage limits and concierge-style assistance.
All-Inclusive Luxury Resort Packages with Built-In Insurance
Many high-end resorts and hotel brands offer all-inclusive packages that bundle accommodation, meals, activities, and sometimes travel insurance or “trip protection” options.
Ideal For:
- Couples on honeymoon or anniversary trips
- Families booking a single-resort vacation
- Travelers who want a no-stress, stay-in-one-place experience
What These Packages Typically Include:
- 5-star accommodation in suites or villas
- All-inclusive or half-board (meals, drinks, sometimes premium options)
- Airport transfers in luxury vehicles
- On-site activities: spa access, water sports, excursions
- Optional or included travel insurance that covers:
- Trip cancellation
- Medical emergencies while at the resort
- Lost or delayed luggage
What to Check Before Booking:
- Is the insurance fully included or just an optional add-on?
- What are the maximum coverage limits for medical and cancellation?
- Are pre-existing conditions covered under specific terms?
Tip: For expensive trips (overwater villas, private pool suites, etc.), look for packages that provide high coverage limits and consider additional stand-alone insurance if needed.
Luxury Tour Operator Packages with Comprehensive Travel Insurance
Premium tour operators and travel agencies often offer fully curated packages with flights, hotels, guides, and comprehensive insurance.
Ideal For:
- Travelers visiting multiple countries in one trip
- Those who want a guided, structured itinerary
- Older travelers or families who want strong support if something goes wrong
What These Packages Typically Include:
- International and regional flights (often business class upgrades available)
- 5-star hotels, boutique luxury stays, or luxury safari lodges
- Private guided tours, drivers, and curated experiences
- Some meals (breakfasts, fine-dining dinners)
- Comprehensive insurance, including:
- Trip cancellation/interruption
- Medical coverage
- Emergency evacuation
- Baggage protection
What to Check:
- Whether insurance is automatically included or requires a separate add-on
- Coverage for high-risk activities (safaris, trekking, adventure sports, cruises)
- Whether coverage is global or limited to certain regions
Pro Tip: Ask if the tour operator can provide a policy summary before booking so you can compare it with independent travel insurance options.
Cruise and Luxury Expedition Packages with Insurance Bundles
Luxury cruises, river cruises, and expedition trips (like Antarctica or Arctic journeys) often offer travel protection plans as part of their packages.
Ideal For:
- Travelers booking cruise cabins or suites worth thousands of dollars
- Those going on remote or expedition-style trips
- Guests who want medical and evacuation coverage in remote areas
What These Packages Typically Include:
- Cabin or suite on a premium or luxury cruise line
- Onboard dining, entertainment, and sometimes shore excursions
- Access to spa, lounges, and premium ship services
- Optional or built-in protection plans that cover:
- Trip cancellation due to illness or unexpected events
- Medical emergencies onboard or at ports of call
- Evacuation from remote areas (especially important for expedition cruises)
What to Check:
- Is the cruise line’s insurance primary or secondary coverage?
- Are pre-existing conditions covered if bought within a certain day window?
- Does the plan cover airfare, or only the cruise portion?
Important: Cruises and expeditions to remote destinations often require proof of sufficient medical and evacuation coverage. Check your policy carefully.
Luxury Travel Agency “Custom Itinerary” Packages with Tailored Insurance
High-end travel advisors and luxury agencies can build bespoke itineraries combining flights, hotels, private transfers, and activities—and pair them with tailored insurance packages.
Ideal For:
- Honeymooners planning complex multi-city journeys
- High-net-worth travelers wanting VIP, white-glove service
- Business travelers combining work with leisure in multiple destinations
What These Packages Typically Include:
- Custom-selected 5-star hotels, villas, or resorts
- Business or first-class flights
- Private airport transfers and chauffeurs
- Tailored tours, private guides, and exclusive experiences
- Insurance customized based on:
- Trip cost
- Trip duration
- Destination risk level
- Age and needs of travelers
What to Check:
- Who is the insurance provider (a reputable, licensed company)?
- Exact coverage limits for trip cost, medical, and evacuation
- Whether the policy supports extensions or additional side trips
Value Add: Luxury agencies often have access to special perks (room upgrades, late checkouts, resort credits) plus assistance handling claims or changes on your behalf.
Premium Credit Card Travel Packages with Built-In Insurance Benefits
Some premium travel credit cards offer special luxury travel booking portals, where you can book high-end flights and hotel packages and automatically receive strong travel insurance benefits from the card itself.
Ideal For:
- Frequent travelers who already own a premium credit card
- Travelers who want to earn points or miles while booking luxury packages
- Those who prefer booking online but still want good protection
What These Packages Typically Include:
- Special rates and perks at 5-star hotels (room upgrades, free breakfast, late checkout)
- Business or first-class fare deals
- Package-style bundles on the card’s travel platform
- Built-in insurance benefits from the card, such as:
- Trip cancellation and interruption
- Trip delay reimbursement
- Lost/delayed baggage coverage
- Emergency medical evacuation (on some high-tier cards)
What to Check:
- Insurance activation conditions: often you must pay for the trip with the card
- Coverage limits vs. the total cost of your luxury trip
- Exclusions, such as pre-existing conditions or specific countries
Double Benefit: You can combine luxury package deals with reward points, effectively earning towards future travel while being protected on this one.
Booking one of the 5 best types of luxury travel packages with insurance for international trips is about more than just convenience it’s about protecting your dream vacation.
Whether you’re relaxing at an all-inclusive 5-star resort, enjoying a guided cultural tour, exploring the world on a luxury cruise, designing a custom honeymoon itinerary, or using a premium travel credit card portal, pairing your luxury experience with the right insurance coverage gives you:
- Financial protection
- Safety and support abroad
- Peace of mind to fully enjoy every moment
Before you book, take a few extra minutes to compare coverage limits, flexibility, and benefits. For a trip you’ve been planning and saving for, that small effort can make a huge difference if the unexpected happens.
Frequently Asked Questions (FAQ)
1. Is travel insurance really necessary for luxury international trips?
Yes. The more expensive your trip, the more you stand to lose if something goes wrong. Luxury travel packages often include non-refundable components (premium rooms, private tours, business-class tickets), making travel insurance highly recommended.
2. Are package-included insurance plans enough, or should I buy extra coverage?
It depends on:
- The coverage limits compared to your trip cost
- Whether you have pre-existing conditions
- The type of activities you’ll do
If your trip is very expensive or includes adventure activities, you may want additional stand-alone insurance to fill any gaps.
3. Do all luxury travel packages automatically include insurance?
No. Some packages include basic protection, while others offer insurance as an optional add-on. Always confirm whether:
- Insurance is included in the quoted price
- You need to select or upgrade the coverage during checkout
