John Hancock

John Hancock has been in the insurance business since 1862, and their travel insurance reflects that century-plus expertise. They offer three tiers (Bronze, Silver, and Gold) so you can match your trip length, destination risk, and activity level to the right plan. Medical evacuation coverage goes up to $1 million, which is genuinely important if you're heading to remote areas or developing nations where local medical infrastructure is limited.

This option works for travelers who want to buy from an established, well-capitalized company they've actually heard of. The tiered approach is cleaner than some competitors' à la carte options, making it easier to compare plans side by side. John Hancock's long history means they've processed claims in almost every country and situation, so their coverage reflects real-world needs rather than theoretical risks.