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If I plan my trip myself will I still be able to buy travel insurance?

Daniel Walker
Licensed Insurance Agent for 15 Years

UPDATED: Mar 19, 2020

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If I plan my trip myself will I still be able to buy travel insurance?If you plan a trip yourself, you will still be able to buy travel insurance. While most people are familiar with the type of travel insurance that is sold through travel agencies, there are many insurance companies that also offer travel insurance.

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In fact, policies bought through such companies typically provide a much more inclusive coverage than those bought through travel agencies. Before you invest in travel insurance, take the time to learn about the different types of coverage available and why you need it.

Travel Insurance Options

There are a variety of different travel insurance options available for those planning a trip for work or pleasure. They include medical plans, evacuation plans, trip cancellation plans, airline trip interruption and accident plans, as well as packages which cover a variety of these things and more. Package plans are the most comprehensive type of travel insurance and will give you the best deal for the maximum amount of coverage.

Medical coverage is the most important type of travel insurance to buy. You can get a plan to cover a single trip, multiple trips or a long-term trip of 6 months or more. Medical evacuation is an important aspect in travel insurance. It will cover the cost of getting you to a healthcare provider or hospital if necessary. It also provides for the cost of repatriation of remains. It is typically included in medical coverage plans, but you should check to be sure.

You should also take out trip interruption and trip cancellation coverage if your excursion is a costly one or is planned far in advance. This will allow you to be where you need to be without losing your investment in your trip or incurring hefty fees for last minute changes.

Accident plans will cover additional fees incurred by accidents that may occur while on your trip, including during travel to and from your destination. Things like the accidental loss or damage of your baggage, delay of airline baggage, theft and other perils are also covered by good travel insurance plans.

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Reasons You Need Travel Insurance

The major reason you need travel insurance is to protect you from major financial difficulties. Last minute changes to flights or trip interruptions because of emergencies can be costly, especially for international flights. The cost of medical care is typically very high, and most traditional health insurance plans cover little, if any of it, for travelers outside the country. Even medical evacuation is very costly when done by special medical transport. An accident or illness while out of the country can cause you major financial problems.

There are certain situations when you do not necessarily need travel insurance. If your flight is refundable, you may be able to forego insurance. If you are traveling domestically and the cost is very low, you may choose to do without it. If you are visiting family or friends and the only cost is your flight, you may go without travel insurance, especially if the carrier you are using allows flight changes with only a handling fee. Be sure to get the details of such changes before buying travel insurance.

Buy Travel Insurance Now

Before you purchase the first travel insurance policy you find, it is to your advantage to shop around and compare quotes from different companies. The cost of travel insurance will vary from company to company and you can save yourself some money by shopping around for the best price for the coverage you need.

Shopping around for any type of insurance used to be time consuming as you would need to contact company after company, repeating the same information to get the quotes to compare. However, the internet has revolutionized the process. Online quote comparison tools allow you to enter your information just once and it is then submitted to a variety of insurers who offer the type of coverage you are looking for. The whole process is very streamlined and efficient.

You will receive the quotes you need very quickly and simply need to choose the best one. However, as you do compare them, look beyond price. Make sure that the policies you are comparing have the same coverage for the same duration.

You also need to make sure that the travel insurance company you select is a reliable one. You can find out how they treat customers by doing an online search for reviews about them by name. You can also check the state department of insurance for complaint history. One final thing you should check is the financial stability of a company. You can get this information from one of the independent insurance ratings firms like A.M. Best.

Get started today, shopping around for the travel insurance you need. Enter your zip code to get the online travel insurance quotes you are looking for- now!

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