Our reviewers evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.
Wednesday, June 7th
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.
Travel Guard is frequently recommended by travel agents as the best option for insurance. But, with only three main policy choices and some disappointing experiences related by customers, this insurer just doesn't keep up with its competitors in the travel insurance industry. There are other big names (and even small ones) you'll be able to count on to protect your trip, and we recommend leaving Travel Guard as a backup.
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.
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:
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!
Select any 2 Travel Insurance Plans to compare them head to head
The New Zealand ...
Why pregnancy travel insurance to cover your babymoon is so hard to ...
Less discussed is how difficult it is to find travel insurance that will cover your pregnancy. Mums-to-be and couples dreaming of a last holiday before kids have had to think again. Midwives and ...
Tue, 06 Jun 2023