Wednesday, June 7th
2023 Travel Insurance Plan Reviews
Travelex Insurance Services
- 3 plans to choose from: Travel Basic, Travel Select, and Travel America
- Options for post-departure medical coverage and flight-only plans also
- "A+" rated and accredited by the BBB
- In business for 25+ years
Travelex Insurance Services offers the basic and expanded trip coverage you're used to, insuring travelers for more than 25 years. However, they have a number of options you won't see with other providers, like a $60 flat-rate policy for trips of up to 14 days within the US and post-departure medical coverage. This company gets good feedback when claims are made, and both an "A+" and accreditation from the BBB. Travelex is well worth considering to protect your next adventure.
Allianz Travel
- 10 plans to choose from, including single-trip, annual/multi-trip, and rental car coverage
- "A+" rated and accredited by the BBB
- In business for 100+ years
Allianz Travel insures more than 55 million people annually, from families taking their once-a-year vacation to business executives crisscrossing the globe year-round. The company has 10 different policies to choose from, including a standalone car rental plan. Most policyholders making claims say that the reimbursement process goes smoothly with Allianz, though some experience long delays. While you'll get a wider range of travel insurance options with some rival companies, Allianz can be trusted to get the job done.
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Who Offers the Best Travel Insurance?
With daily news stories of delayed and canceled flights, lost baggage, and travelers stranded overseas in the middle of a natural disaster, it's easy to see why travel insurance is so important. Like most types of insurance, travel insurance is bought in the hopes that you'll never need it. But, for most travelers, it's worth the price for the protection it provides.
Have you ever thought that this coverage was just an unnecessary, added expense? That's fairly common: most people assume that they've got protection through their credit card company, their regular health insurance, even their homeowners' policy. In some situations, that may be accurate - but unless you know the details of those types of coverage, you're more likely to be left paying out-of-pocket expenses you thought were taken care of... but aren't included.
Travel Insurance Plan FAQ
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And, even if you do have that kind of protection, travel insurance policies can amplify your benefits. For example, if you choose a plan that offers $500,000 in primary medical coverage, you might not need to touch your regular health insurance: your bills will be reimbursed up to that amount, no matter what your everyday health plan includes. Car rental insurance can go above and beyond what's paid for by your credit card company or even your own vehicle's coverage - and that can be critical if you're driving in another country and have an accident.
What type of travel insurance do you need? Naturally, that depends on your trip, your travel party, and your budget. A single-trip policy will be more affordable than multi-trip coverage - but if you're traveling internationally more than once in a year, the annual policy becomes much more economical. Do you need to be able to cancel for any reason? Is it important to you to have a waiver of the pre-existing conditions exclusion? Are there any children under 18 in your party that might be included at no extra charge, depending on the insurer you select? These are all factors that will influence your decision when picking a travel insurance plan.
Confused yet? You do have a lot of options. Here are some criteria to help you sort through them and ultimately wind up with the travel insurance coverage you need:
- Quote process. How easy is it to get a quote that matches your insurance needs? Does the site explain the questions it asks, and does it display all of the possible plans in a way you can understand? Can you buy your policy right then and there, or do you have to click through to another site?
- Value. What's included for your premium? From one site to another, you will probably see the same price on any given plan because the states regulate travel insurance prices. However, it's worth your time to compare premium prices and benefits among different insurers, so that you get the most for your money.
- Reputation. It's easy for an insurance company to get high marks from customers if they never had to make a claim on the policy. What do clients who've filed claims say about the way they were treated? Were they reimbursed quickly? Did they get updates about the status of the claim? It's also good to check the Better Business Bureau's rating of any travel insurance service you're going to use.
To help you get the protection you need on your next adventure, TopConsumerReviews.com has evaluated and ranked today's most popular sources of travel insurance. We're confident that this information will make it easy to protect yourself and what you've spent on your trip - and to have backup if something goes off track on your journey. Bon voyage!
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