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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If you are looking for insurance, you can purchase it from a travel agent. In some cases, such as when you are taking a cruise, you can buy it from the carrier. You also have the option of shopping for coverage online if you wish.

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The decision of whether to buy online, through an agent or from the carrier needs to be considered carefully. The best choice may not be the same for everyone.

Buying from a Travel Agent

If you are working with a travel agent to book your holiday plans, ask whether he or she can also provide you with insurance coverage. In most cases, the agent will mention insurance when you meet with him or her. (The agent makes a commission on each policy sold.)

The advantage to choosing this way of arranging coverage is that it’s convenient. If you need to see your travel agent anyway, you can look after buying insurance at the same time.

The disadvantage is that the travel agent may only offer coverage from one company. You don’t have the opportunity to compare rates to make sure you are not overpaying for the coverage.

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Buying from the Carrier

If the carrier you are booked to travel with offers travel insurance coverage, this is also a convenient way for you to buy it. Again, you are limited to the company the carrier has entered into a partnership with and you don’t have the opportunity to compare rates at all. However, if you are in a hurry to get your travel insurance coverage in place, you can do so by buying it from the carrier when you book your travel arrangements.

Going Online to Get Travel Insurance Quotes

Looking for travel insurance coverage online is the simplest way to get the best level of coverage at the lowest prices. You have the option of visiting a number of individual web sites offering travel insurance coverage to find out what your coverage options are and how much you would be charged for this valuable protection.

If you have never bought travel insurance before or you would like more information about the types of coverage available, spend some time doing some research before you decide to buy a policy. Special pricing may be available to students and seniors, and you will want to take advantage of price breaks whenever possible.

Special policies are offered to groups and people who travel often. If you fit into one of these categories, be sure that you are getting coverage that reflects your personal situation.

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In a case where you know exactly that you want to buy and you want to get your coverage put in place in a timely manner, consider going to a web site with a quote tool that can provide you with quotes from several companies at once. Not only is this one less time-consuming, but you only have to enter your personal information, the length of your trip and the amount of coverage you are looking for once.

You also have the option of buying travel insurance coverage after your trip has started. You may wish to do so if you had to travel unexpectedly or you simply forgot to cross this item off your “To Do” list when you were getting ready for your journey. Another situation where you would need to buy travel insurance after you have left home is when your return has been delayed.

In any of these cases, going online is a great way for you to arrange coverage quickly. You have the option of paying with a credit card, and coverage can start within a day or two in some cases. Be sure you ask when your policy would take effect before you buy one.

If you are buying travel insurance coverage online after your trip has started, you will not be covered for any event that took place before the policy was issued. Travel health insurance does not cover expenses stemming from a pre-existing condition, either. This is a medical concern for which you sought treatment from a doctor within the past several months.

Be honest when you share your personal information with the insurance company. Failing to report a pre-existing condition or other detail that the insurer relies on to determine whether it will agree to cover you may mean the insurance company will cancel your coverage.

When you need to buy travel insurance coverage, you have the option of buying it from your travel agent, the carrier itself, or going online. If you have time to do so, checking out travel insurance options on the Internet will help you get the best combination of coverage and affordable rates for your needs. Start with your zip code and get multiple travel insurance quotes now!