Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Travel Insurance Comparison-How a Travel Insurance Comparison Can Help You

Conducting a travel insurance comparison is one of the most important things you can do to ensure you get a good price on premiums.

Using our travel insurance comparison tool, all you have to do is enter a zip code and you can instantly compare online insurance quotes from several companies at once.

The Value of a Travel Insurance Comparison

You can also do some comparison shopping the old fashioned way by calling up each individual company over the phone or meeting in person with an insurance agent to discuss details.

When comparing policies, do you know what to look for so that you can be sure your interests are protected? A good price is not the only important matter.

When traveling, many unforeseen troubles can happen. Yes, we are all hoping for a relaxing vacation or a smooth sailing business trip. Unfortunately, luggage gets lost and illness often times throws a wrench into your work plan. This is where travel insurance comes in.

Your typical travel insurance policy covers things like a loss or the theft of your items. Important items like travel documents, money and credit cards might also be covered. Insurance may also cover the expenses incurred due to a delayed flight. This situation could cause you to miss a connection or miss the boat if you are going on a cruise…a very important technicality!

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Assume Nothing When Reading a Travel Insurance Comparison

Some medical expenses and emergencies may also be covered. Without this type of insurance, you may not even be able to visit a hospital waiting room overseas. A travel insurance policy covers all legal assistance, should there be a major problem with legality. If you find yourself in need of any legal representation, you are covered. Even overseas funeral expenses or emergency evacuations are covered by some policies.

Some things you may think are covered automatically might actually turn out to be optional or available at additional cost. Don’t arrive unprepared because you assumed what was covered rather than verifying the details! For instance, did you know that preexisting conditions such as diabetes or heart problems may not be covered by a typical travel policy.

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Certain activities such as scuba diving or bungee jumping may not be covered, as they are usually considered unnecessary risks. Traveling to places where there is ongoing war or prevalent natural disasters will usually not be protected. All of this does depend on each individual insurance provider, to an extent, which is why it is so important to compare all information you get from each agent and company.

A smart way to save money on a travel policy is to ask about package plans. Often times, there will be a plan that covers all the basics and some extras at a discounted price. Usually, such plans are geared towards certain types of clients, such as families with small children, senior travelers or business travelers.

Be sure to ask about any discounts; sometimes there will be a special going on that will knock a few dollars off, it never hurts to ask! You can also check for deals through any clubs or membership organizations you belong to like AARP.

Are Your Travel Insurance Comparisons Primary or Secondary?

Another very important factor to verify before buying a policy is whether or not your travel insurance is primary coverage or not. If it is primary coverage then any emergencies are handled by your traveler’s insurance company. However, if it is considered secondary insurance then your personal health insurance policy must assist you first, and then your traveler’s insurance policy will “pick up the slack” and pay anything extra. Having to submit your claim elsewhere, having your rates go up, and having to pay on a pricey policy you never use, are all bad scenarios for most people.

Once you have narrowed down your selections in insurance agencies, be sure to check with online travel websites to see reviews from other satisfied customers. You can also take an overall consensus as there are some “bad apples” in every bunch of good reviews. If the overall feeling for a company is a positive one, then you may decide that it’s worth a closer investigation. You can also check with websites like the Better Business Bureau, especially if the company is relatively new.

Once you have all of your questions and information in order, you can rest easy knowing that you and your trip are adequately covered. You can get travel insurance quotes right now by entering your zip code into our web chaser tool!