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What is the best travel insurance plan?

Daniel Walker
Licensed Insurance Agent for 15 Years

UPDATED: Mar 19, 2020

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What is the best travel insurance plan?The best travel insurance plan is the one that provides the type and level of protection that is most important to you. Before you can start shopping for coverage, take some time to figure out what benefits are most important to you. Once you know exactly what you need, you can find the best travel insurance to meet them.

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Travel insurance plans are available from different companies to pay for losses resulting from travel delays or cancellations, as well as medical expenses incurred while the policyholder is away on his or her trip. Insurance coverage is also available to pay for lost, stolen or delayed luggage, document or cash.

If you are planning to rent a car while you are away, you may want to consider buying third party liability coverage that will protect you in case you are involved in a motor vehicle accident while you are away.

Determine Your Needs

Each person planning to take a trip is different, and so are their travel insurance needs. Taking some time to determine what kinds of coverage are most important to you and your traveling companion before you start looking for a policy. No insurance single type of travel insurance policy will protect you from every type of loss, but you do want to make sure that the things that are most important to you are covered.

For some people, having medical insurance coverage that will help to pay for the cost of services and transportation to get home after an accident or illness strikes is most important. This type of plan will also pay out if the insured dies while away from home. In that type of unfortunate situation, not having to worry about the cost of transporting the body home will help to make an already-tragic situation a bit easier.

A person who already has a good level of health insurance coverage from another plan may want to buy a travel insurance policy that provides coverage for trip cancellation or airline delay only.

If, after booking the holiday, you are not able to leave as scheduled because of work obligations (including being called up for military service), jury duty, death in the family, illness or any other situation specifically described in the policy, you would be reimbursed for the amount paid for tickets. The amount of the benefit payable would depend on the policy you choose.

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Dollar Amount You Want to Protect

The next step in the process is to do some math. Calculate the amount you have paid or will pay out in non-refundable travel expenses. This is the level of protection you need to buy if you want to avoid financial loss if you are unable to travel as planned.

If you are considering buying travel insurance coverage for medical expenses, estimate how much it would cost for you to pay for the cost of medical care while you are away from home. Consider how much it would cost for being taken to hospital in an ambulance, the possible cost of surgery and care afterward, as well as the expense involved in returning home afterward.

If your condition is serious enough, you may have to be accompanied by a nurse or other medical personnel when traveling to your home. Without the right kind of insurance coverage, you will be looking at having to cover these expenses personally.

Once you know how much coverage you need, you can start the next step in the process, which is to start shopping around for insurance.

Shop Around for Coverage

There are many companies offering travel insurance coverage, and going online is a great way to look at different coverage options and compare rates. You can visit individual web sites if you wish, or find a travel insurance web site that can provide you with quotes from several companies at once. The latter choice is the quickest way to find travel insurance coverage.

If your departure date is looming and you need to make arrangements quickly, simply use the free insurance quote tool that can give you this information quickly and conveniently. Pay with a credit card, and your coverage will be put in place within a day or two in most cases.

The best travel insurance policy is the one that provides you with the level of coverage you need for adequate financial protection in case you experience a loss when you travel. Shopping around is the best way to find a plan that will work for you. Type your zip code into the free travel insurance quotes box on this page, and get rates today!

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