Travel Insurance

Protect yourself, your family and your investment

You can plan for months for your dream vacation, but there's no guarantee that everything will go as you hope. When preparing for travel, whether it's a road trip across the state or an international cruise across the ocean, you have to be ready for the unexpected. That's where travel insurance comes in.

For travel

There are several different types of travel insurance available. For example, you can purchase trip cancellation insurance in order to get your money back should you have to cancel or change your plans last minute. You can also get trip delay insurance, which is similar to cancellation insurance but assumes that you'll reschedule your trip.

Some travel insurance will protect you from problems with the travel agency you're dealing with. Supplier default insurance will help you out if your agent or travel company goes out of business or is in any way unable to provide the services you've purchased.

To avoid inconvenience while traveling, purchasing baggage or personal effects coverage can help you out if your luggage is lost or damaged. While you might still find yourself without your favorite sweater, baggage insurance will lessen the cost of replacing your travel wardrobe.

If you're a frequent traveler, you may want to go with annual medical health travel insurance, which covers you throughout the year, regardless of where you travel.

For the traveler

Travel insurance doesn't just protect the trip, either. You should also consider covering travelers in case of emergency while away from home. Should a medical emergency or injury occur, coverage for things such as medical treatment and expenses is vital. You could end up spending thousands of dollars for treatment in a foreign country!

You may also want to prepare for the worst, and opt for medical transportation or evacuation coverage, which will help you get home when you need it most. If you opt for this type of coverage, double check the policy to see if it covers emergency transportation for your travel companions, as well. Certainly, you don't want your friends or family stuck without a way to end their trip early and accompany you home.

Complete coverage

Most travel agencies will offer travel insurance coverage. However, you can also choose to purchase from a third party. If you're planning your trip online or on your own, you'll have to research which insurance companies are best for your needs.

It's easy to find travel insurance online, or you can contact your automotive, home or personal insurance agency to see what types of coverage they offer. You may find it's cheaper to take this route, since you can take advantage of deals offered to established customers with several policies.

Read the fine print

Regardless of where you choose to purchase your travel insurance, make sure that you're well informed of your coverage and are aware of any limitations. Pay attention to the wording so that you're sure of who and what is covered.

For example, some trip cancellation insurance won't cover political unrest or terrorism in your destination country, so if you're traveling to an area that may suffer from insecurity you'll want to find coverage that addresses these issues.

Who is covered by travel insurance policies is also subject to wording (for example, some policies only cover immediate family members), so make sure that your travel companions qualify.

Online Travel Insurance

If you're looking for the best travel insurance, you should hit the internet, especially if you're planning international travel.

Shopping for travel insurance online is easy and convenient. With the ability to shop around quickly, and compare offers side-by-side, you'll find it simple to get the best cheap insurance coverage for all your needs. Some of the top insurance dealers also offer you significant savings just for purchasing your coverage online.

Tips for Shopping for Online Insurance

You want the best travel insurance you can find, and at a great price. The only problem with shopping online is the vast amount of choice - the possibilities can seem endless! Follow these tips to make sure you're getting a good deal:

  • Know what you need: when you're shopping online for travel insurance, you'll have to make most of the decisions on your own, based on available information. Know what you're going to need based on the vacation you're taking. Consider extra health or medical travel insurance if you're taking an extreme vacation with lots of sky diving or rock climbing. Take out extra cancellation insurance if you're destination has unpredictable weather. Make sure your coverage is relevant to your travel!
  • Shop wisely: without an insurance agent, it's easy to get lost in all the terminology and the variety of options offered. Before you choose an online insurance policy, make sure that it covers everything you need and nothing that you don't. Know the difference between annual, multi-trip and single trip travel insurance; read the fine print to be sure of your rights and responsibilities; get all costs in writing in order to guarantee that you're getting the best cheap travel insurance. While it might take a little effort to find what's best for you, it will be well worth it in savings.
  • Don't take the first offer: while endless possibilities may seem overwhelming, they're actually a good thing! Make sure that you shop around before you make any decisions on your travel insurance. While comparison shopping, be sure to compare apples to apples - arm yourself with all the policy information and look for similar points such as coverage value, eligible travelers, and exclusions before you compare prices.
  • Get it in writing: it's so easy to order up your purchase online and forget about it, but it's buyer beware on the internet, so make sure you get written verification of your policy. Most insurers will allow you to print the paperwork off directly from their website, although there are some who will mail it to you. When it arrives, read it closely to make sure there's no unexpected fine print. Bring a copy of the policy with you on your vacation in case you need proof of insurance in case of an emergency.