Travel insurance can be very beneficial to domestic travelers and international travelers. The best travel insurance companies have excellent customer service and help you buy the travel insurance you need.
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Whether you are traveling for business or pleasure, travel can be quite stressful. By having travel insurance you can reduce some of the anxiety by knowing that you have financial coverage for some unplanned for events.
Typical travel insurance includes trip cancellation coverage, lost baggage, stolen wallets, and even medical assistance. Your trip insurance will follow you through the air to the beach and onto a cruise ship.
Travel Insurance Packages
Most travel insurance companies offer different packages. You can combine insurance needs or buy separate plans for medical, evacuation, or accident insurance depending on your needs.
The best travel insurance companies will help you choose a package that is correct for your travel requirements. They will take your budget into consideration and sell you only what is beneficial for you.
Packages vary in coverage limitations so you can vary the plan based on your budget. For example, a family of three (two adults and one child) may spend anywhere from $80 to $140 on travel insurance. This price is based upon a $1,000 projected travel expense for a two week domestic trip within the United States.
The big difference in the packages in the above example involves higher coverage limits for:
The more expensive travel insurance plan may also include accidental death insurance as well as benefits for trip cancelations due to work.
Depending on where you go for your trip and how long you will be gone, you may opt for more extensive coverage. For example, a trip to Europe may be more to insure than a trip to Branson, Missouri, for a stateside family vacation.
From every travel insurance company you visit you may be presented with 10 plans that may suit your needs. Benefits and cost may vary from one travel insurance company to the next so it is a good idea to shop around before you buy travel insurance.
Using the Better Business Bureau to Find the Best Travel Insurance Companies
The Better Business Bureau (BBB) exists for both Canada and the United States. It was established to provide a national directory of businesses and charities so that consumers could find out when a company was established and what kind of a rating it has.
A business cannot usually get listed with the BBB if it is under one year old. In order to be accredited by the BBB you need to have sound business practices. They expect your business to be honest, fair, and responsive.
Consumers can make complaints to the BBB about a business and the BBB gives the business a chance to respond. You can review the details of complaints as well as the status of them. Additionally you can get statistics about the business such as when it was founded, who the principals are, contact information, and their BBB accreditation status and rating.
To find a travel insurance company through the BBB, enter either the travel insurance company’s name or search for Travel – Insurance. You will then be given a list of companies that you can review.
Find the Best Travel Insurance Companies through Consumer Reviews
Consumers are usually the most reliable resource for finding good companies as well as for learning about which ones to avoid. Be sure to read the actual comments people make and not just the overall rating because of skewed complaints.
For example, if a travel insurance company has three reviews and a rating of three stars out of five, you should read the reviews themselves to determine if the rating is factual or not. One person may have rated the company with five stars for their honesty, good customer service, and excellent prices. Another person may have given the company three stars and said everything was fine. Yet a third person may have given the travel insurance company only one star coupled with a complaint about a really lousy vacation.
In the above example, that last review was unfair to the company because the review was a reflection of the trip and not the actual travel insurance company. Therefore, by reading the reviews you can eliminate the one star review and look at the other two, estimating the true rating to be four to five stars.
The best travel insurance companies are the ones that give you adequate coverage for a fair price. They also need to have a good reputation and be there to pay out any claims that may be needed. You can shop for different travel insurance quotes and companies by entering your zip code now.