A Guide to Choosing the Best Travel Insurance
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With so many travel insurance companies and policies out there, it can be difficult to select the best policy for your trip. From ‘cancel for any reason’ coverage to the highest baggage and personal belongings limits, there are many factors to consider.
It’s also worth familiarizing yourself with policies’ exclusions, such as pre-existing medical conditions and high-risk activities, to avoid surprises down the road.
Cost
While travel insurance doesn’t eliminate risk or reimburse every expense, it can mitigate some of the financial blow of last-minute trip changes. That said, the cost of a policy will vary. A comprehensive policy is generally more expensive than a basic or middle-tier policy.
Also, some policies exclude coverage for pre-existing medical conditions. And high-risk activities, like skiing, may not be covered by all policies.
To help you find a good fit for your budget, you can collect quotes from several providers using an online comparison tool or aggregator site. Compare limits, deductibles and total costs to see which plan suits your travel budget best.
You should also make sure that the plan you choose is worth the price by reading its fine print and understanding what’s not covered. Avoid buying any add-ons that you don’t need, such as flight insurance (“crash coverage”) and collision coverage for rental cars. These options tend to be a waste of money because of how rare airplane crashes are.
Coverage
There are many types of coverage available in travel insurance policies. They can include things like trip cancellation, lost luggage and emergency medical coverage. Some travel insurers also offer specific waivers for high-risk activities. Make sure you read the policy details carefully to understand exactly what is covered and what is not.
Most regular health insurance does not cover foreign travel expenses. Travel insurance does not replace your regular health plan, but it can supplement it by covering some of the extra costs that are incurred when traveling abroad.
Most plans have a “look-back” period, so be careful about purchasing insurance close to your trip. Also, each insurance company defines pre-existing conditions differently. Be sure to read the terms of any policy carefully and ask questions if you are unclear about what is or isn’t covered. Some companies, such as SafetyWing, allow travelers to purchase their insurance at any time and anywhere, which is a great option for digital nomads and those with an open itinerary.
Requirements
There are a lot of different travel insurance policies. You need to do your research and understand how each policy works before you buy it. Some types of insurance are more expensive than others. Some insurance companies offer discounts on travel insurance if you book your trip through their website or have it with one of their preferred providers.
The type of coverage you need depends on what kind of travel you are doing and your personal situation. For example, some people need medical and dental coverage, especially if their U.S. health insurance doesn’t cover them overseas, or if they are participating in high-risk adventure travel activities.
Also, consider if you already have insurance through your credit card or household policies. For instance, some credit cards provide coverage for airline baggage delays and life insurance may cover accidental death or dismemberment while traveling. You can save money by purchasing travel insurance in advance, from the comfort of home, rather than at the airport, where you are under pressure and rushed.
Exclusions
Some travel insurance policies exclude certain activities or specific items. For instance, not all policies cover high-risk activities like mountain climbing or skydiving. However, specialized policy riders can be purchased to provide coverage.
Most comprehensive travel insurance plans include medical, cancellation, interruption and baggage coverage. Some providers also offer more specialized insurance for things like pet travel, ski and snowboarding.
In general, travelers should carefully weigh the pros and cons of each type of coverage before making a decision. Some travelers may find that a plan with higher reimbursement levels for lost, stolen or damaged belongings is worth the extra expense.
Finally, travelers should be sure to disclose any pre-existing medical conditions before traveling. Failure to do so can lead to a denied claim under the terms of a pre-existing condition clause. This type of clause typically applies to health conditions, symptoms or illnesses that have existed before purchasing the policy, even if they are not diagnosed.
