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If you have an upcoming trip planned, you owe it to yourself to look into travel insurance. It's an unfortunate reality that things happen when we least expect them. We've found that experts generally recommend travel insurance, and the savviest of travelers look at it as a wise choice.

Get Travel Insurance with Squaremouth Today! If you think that your credit card company will protect you, think again. Credit card companies may cover certain aspects of airline costs if your tickets go missing or become worthless, but they will not help you if your flight is delayed and your cruise is missed. Nor will they help if you suffer an injury or illness while traveling.

Standard insurance policies often fail when it comes to travel. For example, you may already have a medical insurance policy. However, most of these plans don't have a list of doctors to assist you in European countries, for example, or off the Coast of Barbados. You may have to pay 100% out of pocket expenses just to get assistance. In these cases, travel insurance with medical coverage can save you thousands of dollars in the event that you need to be treated by adequate medical staff.

Before you purchase travel insurance, you want to make sure that you select the best company to meet your needs. Important aspects of travel insurance providers include:

  • Coverage.  What specifically will the travel insurance cover during your trip?
  • Reimbursement.  When and how fast will the travel insurance company step in to pay for what you need?
  • Cost.  Does the travel insurance company charge a reasonable fee for the coverage they offer?

TopConsumerReviews.com has reviewed and ranked the best Travel Insurance providers available today. We hope this information helps you find the right travel insurance that protects you on your next trip!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Travel Insurance Reviews

5 stars
Squaremouth

SQUAREMOUTH Visit Site

TopConsumerReviews.com Best-In-Class Blue Ribbon Award Squaremouth is a professional and helpful travel insurance brokerage, that offers immediate quotes from the top travel insurance companies. Squaremouth has even been compared to Expedia for their ability to locate the best prices among leading online travel insurance companies.

To obtain a quote from Squaremouth the steps are easy and quick. You simply enter:

  • Travel dates
  • Cost
  • Destination
  • Age of individuals who will be covered

Immediately a list of travel insurance benefit packages will appear including the price, coverage, and insurance carrier name. Squaremouth provides easy-to-use comparison charts and options for sorting travel insurance benefit plans by price or by insurance carriers to allow you to make an uncomplicated decision.

We found it especially helpful to be able to click on the travel insurance plan name and read very specific coverage details. Squaremouth also provides immediate information on which travel insurance carriers include the most comprehensive coverage for a specific benefit such as trip interruption.

Not only does Squaremouth exceed expectations on providing us information, we also found that they have a zero complaint policy. Squaremouth will remove any travel insurance carrier from their site if a complaint is not resolved to Squaremouth's satisfaction.

Hands down, Squaremouth outshines their competition for their ability to provide high quality travel insurance at the right price. They've earned our highest rating.

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4.5 stars
Travel Guard

TRAVEL GUARD Visit Site

Travel Guard is a informative travel insurance site fully equipped to provide you with specific quotes to meet your traveling needs. They provide six different plan types to choose from and do an outstanding job at keeping their site basic and easy to use. All of Travel Guard's plans include travel emergency service or medical assistance, lost luggage tracking, last-minute flight changes, and pre-trip travel advice.

They have designed their website to allow even the least computer savvy person to be successful. Tabs exist at the top of each screen to help you identify which step of the process you are on. They also a useful "More Info" tab located next to each plan type. This tab allows you to view the coverage, price, and description of policy before obtaining a real-time quote with trip details.

For customers in a hurry, Travel Guard has a quick shop option as well. You simply supply the the destination, dates, price, and age of travelers. The quote appears immediately and gives you the option to buy the insurance or to make changes.

For added assurance, Travel Guard provides 24 hour service, 7 days a week for all of their customers. We found that availability hard to beat when comparing other travel insurance websites. As a result, Travel Guard is near the top of our list. Their easy to use site and competitive pricing make them a quality company worth checking out.

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4 stars
Insure My Trip

INSURE MY TRIP Visit Site

Insure My Trip utilizes 19 insurance carriers and provides over 100 travel insurance plans to assist you in finding what you need. Insure My Trip promises that their partnership with each insurance company is highly involved.

Steps to obtain travel insurance quotes compare similarly to other sites we reviewed. Simply enter trip destination, cost, dates, age of travelers, and type of trip you will be taking. A list of insurance companies will appear in alphabetical order along with the price of the plan. You can choose to view one particular plan or opt for a comparison chart to view several plans side by side.

Insure My Trip is not the most appealing website, but it does provide many helpful features. One special feature to Insure My Trip is an email option they provide where you can email quotes to yourself and refer back to them at a later time from your personal email account. Another element we were pleased to find was an online help link for clients interested in getting answers to questions immediately. All you have to do is enter your name and click on the site you are using to start your live chat with a customer service representative.

Insure My Trip offers competitive quotes and an easy to use site. Although the site is not as user friendly as many of the other travel insurance sites and the insurance companies fewer in number and name, we believe this site is worth your time.

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4 stars
Allianz

ALLIANZ Visit Site

Allianz is a 20+ year old company with a strong history of customer satisfaction. Allianz Travel Insurance offers three different travel insurance plans. Choose from a basic, classic or deluxe coverage plan. This easy to use website allows you to view coverage by event or benefit amount allowing you to make an efficient and informed decision.

To get a coverage quote you entire the dates and cost of the trip, age of the travelers, and state you reside. When the results appear they will include all 3 levels of insurance. You may save the quote or purchase online. You may also add rental car insurance and other add-ons if you like.

The classic policy provided us with trip cancellation up to the cost of the trip, interruption coverage up to 150% of the amount purchased, emergency medical and dental at $25,000, emergency medical transportation at $500,000, baggage coverage to $1,000, baggage delay at $300, travel trip delay for $800, 24 hour hotline assistance, existing medical condition coverage and more.

Allianz offers an easy to use website with options to modify your policy online as needed. Or if you need additional assistance talk to a customer service agent. We found a mixed bag of customer satisfaction reviews but were impressed with the strong better business bureau rating of A+. We also liked the simple website and the different package plans to choose from. If you're looking for travel insurance from a strong company Allianz is worth your time.

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3.5 stars
Quote Wright

QUOTE WRIGHT Visit Site

Quote Wright is a site offering a small variety of travel insurance plans from different insurance carriers. As we reviewed this site, we found Quote Wright had fewer insurance carriers to compare than many of the other travel insurance sites. Our navigation through Quote Wright was easy but not as quick as some of the other sites.

The first step in getting insurance quotes includes listing the number of travelers, dates of the trip, country of residence, and specifying which insurance plan you are most interested in. On the next page you add ages of travelers, trip destination, trip cost, country of citizenship, type of trip, and first trip payment date.

Quote Wright did offer several sorting options once the travel insurance plans appeared. We found this to be a beneficial feature to their site. As most of the other travel insurance sites included, Quote Wright also supplied an easy to use comparison chart for choosing the best plan to meet your needs. A unique feature of Quote Wright included travel links for topics such as passport info, language sites,and travel warnings.

Quote Wright also provided customer service help through an online chat. As soon as you click on the chat icon, you are connected with a customer service representative and are able to type in your questions. The representatives were generally informative and helpful.

While Quote Wright had several insurance carriers and some helpful tools, we found it to be only somewhat worth our time. With many of the leading travel insurance sites offering more competitive pricing, we ranked Quote Wright a grade below the top.

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3 stars
Travel Insurance Center

TRAVEL INSURANCE CENTER Visit Site

Travel Insurance Center is a simple way to obtain insurance quotes quickly. Travel Insurance Center contains 7 different plans to choose from with a small range of insurance carriers. Although Travel Insurance Center supplies some competitive quotes, they are unable to provide a wide variety of quotes compared to the top leading travel insurance sites.

The process to obtain a travel quote is similar to many of the other sites we reviewed. The key information you must supply includes trip dates, trip cost, place of residence, and age of travelers. From there you can view all of the travel insurance plans. Travel Insurance Center provides a sort pull down bar to view insurance plans by a specific benefit or price. As with most of the other insurance sites, we found that Travel Insurance Center gives you a compare option so that you can view plans side by side.

Travel Insurance Center has several supportive aspects to their site. They provide the option to engage in an online chat with a customer service representative. Another helpful feature is Travel Insurance Center's Help Desk Section. This section includes frequently asked questions, service and support numbers for each insurance carrier, a document library, alerts, and information on understanding travel insurance.

>Travel Insurance Center is a safe site for obtaining competitive quotes for your travel insurance needs. However, if you are looking for a large variety of insurance carriers and the best price for your comparison, you should check out the higher ranked travel insurance sites first.

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2 stars
World Nomads

WORLD NOMADS Visit Site

World Nomads misses the mark when it comes to finding the travel insurance you need. They offer less than a handful of insurance carriers mostly based out of Australia. World Nomads claims their site is designed for adventurous independent travelers which immediately sends a message that they target only a key group of travelers.

When navigating through World Nomad's site, we found it to offer limited information and many restrictions. We noted that you could only obtain travel insurance within specific windows of time such as 2 weeks to 3 months for travel. Any travel experience less than a 2 week window of time was not an option. It also restricted the age of a traveler to under 61 years of age.

The summary of benefits were not very detailed and left us wanting more information to feel confident enough to make a purchase.

Like a couple of other travel insurance sites, World Nomad gives travelers a safety section alerting them to possible danger areas. For an adventurous traveler not worried about restrictions or limitations, World Nomad could be a place to explore travel insurance. For the other 99 percent of the traveling population, we would not recommend this site to meet your travel insurance needs.

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When Should You Buy Travel Insurance?

If you’re making plans for your vacation or your family’s vacation, you need to determine whether you want to purchase travel insurance. Travel insurance may be another expense, but it can be well worth it so that you’re covered in case of an emergency or problem.

Not many years ago, few people purchased travel insurance. However, that's changing fast. In fact, according to the U.S. Travel Insurance Association, in the last 10 years the percentage of American travelers purchasing travel insurance increased from 10 to 30 percent. Travelers purchase insurance for a few reasons including protection against unexpected events, loss of the financial investment in the trip, and peace of mind.

Like many things, travel insurance can cover a wide variety of problems and will reimburse your costs for many situations. But you should know what type of insurance you need for your specific situation.

Here are a couple of tips on when you should buy travel insurance.

  • You should consider buying travel insurance anytime the cost of the trip is more than the cost of the insurance. For example, if you’re purchasing a $75 nonrefundable airline ticket, you probably don’t want to invest in travel insurance that protects you from trip cancellation or interruption. However, if you’ve purchased a cruise vacation or all-inclusive resort stay for $3,000 - $10,000, you may want to protect that investment by purchasing travel insurance just in case you have to cancel due to illness, family emergencies, or other reasons. Travel insurance packages can also protect you in case the cruise line or resort experiences financial problems, such as going out of business between the time you pay for the trip and the time you get there. Be certain not to purchase this insurance from the cruise line or resort, as your coverage will be worthless if they go out of business.
  • You should purchase travel insurance whenever you travel outside the U.S. Whether you’re traveling by cruise ship or by airplane, your health insurance may or may not cover any medical expenses you incur outside of the United States. This includes travelling on "foreign-flagged" cruise ships. If you’re travelling in U.S. waters on a foreign-flagged cruise ship, your medical insurance may not cover you if you become sick or injured. Travel insurance companies that offer medical coverage can also help facilitate any medical payments needed while in a foreign country, act as your advocate, and help cover costs associated with transporting you back home for medical reasons.

There are a variety of reasons to purchase travel insurance and a variety of options to cover you and your vacation. Be sure to look for a travel insurance policy from a dependable company so that your vacation investment is protected, and you can relax and enjoy your trip!

 

 

 

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