Best Place to Buy Travel Insurance
Many travelers consider purchasing travel insurance to protect against unexpected event occurrences that could throw a wrench in their vacation plans. While no trip insurance policy is a guarantee, the best ones cover expenses like trip cancellations and interruptions, lost luggage, medical emergencies, and even death while away from home. Depending on the type of coverage, premiums can range from 5% to 6% of your trip costs.
When choosing the best place to Buy travel insurance, it’s important to compare options based on each insurer’s reputation and coverage types. The most reputable providers will have favorable online ratings and detailed information about their policies available on their websites. Some will also offer a wide selection of travel insurance plans, including packages and single trip policies for both domestic and international trips, as well as options for different age groups, as well as adventure sports coverage.
For a more comprehensive plan that covers most unforeseen events before, during and after your trip, check out companies such as Travelex, AIG, and Travel Guard. These comprehensive policies serve as primary coverage, meaning they take precedence over any other insurance you may have (like your credit card or health insurance from your employer). They typically come with a look-back period of 60, 90 or 180 days, which means that preexisting medical conditions are covered, unless the condition has shown signs of worsening.
The Best Place to Buy Travel Insurance
AIG offers multiple travel insurance options for both domestic and international trips, and its single trip plans include good trip cancellation and interruption coverage. However, their medical expense coverage is below average among the insurers we analyzed. Their premium plans, on the other hand, are very competitive. The company has plans for students, families, seniors, expats and others.
Another company with a wide variety of plans is GeoBlue, which offers medical coverage alone or as part of a complete package. These plans cost less than most other insurers’ packages because they only cover the things you need most, such as travel medical coverage and a 24-hour assistance hotline. GeoBlue also offers specialized coverage for cruises and other unique trips.
For the ultimate peace of mind, look for a travel insurance company that includes a 24/7 emergency helpline with multilingual agents. These agents can assist you in a variety of ways, from making airline reservations for you after a missed connection to helping find local doctors or legal advice. They can also arrange for airlifting to a hospital when necessary or repatriation to your home country in the case of a medical emergency.
InsureMyTrip is a website that allows you to search more than 20 travel insurance providers with one form and compare their prices, coverage options and customer satisfaction. You can also customize a plan to fit your needs and choose add-ons such as trip interruption, adventure sports, higher limits, and additional medical coverage.