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Insure My Trip has come a long way, with a sleek new format to their website that brings them much closer to the top when compared with other companies.
The first question you'll have to answer is your destination, which was unique. From there, you'll be asked the usual questions about your travel dates, ages and state of residence of any travelers, and so forth - pretty standard so far.
Then, we really were blown away by Insure My Trip's results page. Right at the top, we were shown three recommended plans selected by their SMART algorithm: one matching the top coverage, one that was middle-of-the-road, and a third that was best for the budget (almost like the story of the Three Bears). There were a total of 14 different insurance companies represented in our quote; in general, Insure My Trip offers policies through 20 providers.
And, above the results, there was a place to select any must-haves for our policy: Cancel for Work Reasons, Cancel for Any Reason, Pre-Existing Condition Waiver, and so on. That made it very easy to make sure we got the policy we needed.
Finally, within the results list, each policy had a rating from 1 to 5 stars, along with numerous customer reviews (one policy, the Generali Global Assistance Standard plan, had over 7,000 reviews!). Every policy had an "Add to compare" button, so that we could easily keep track of our preferred options.
Insure My Trip gives you a review period; if you buy your policy and then find something you don't like in the fine print, you can cancel and get your money back. The terms and length of that period vary according to the provider, policy, and by your state of residence, so do check the fine print.
We also got a helpful live chat pop-up when we got to our quote results page; we could ask a licensed agent any questions we had about the policies. This level of customer support is also shown in Insure My Trip's "Anytime Advocates": if you make a claim that's denied by the insurance company, you'll be assigned a representative that will work on your behalf to understand the denial and even help with your appeal process. According to the Insure My Trip site, this advocacy program saved travelers over one million dollars since its inception in 2009!
Everything about our experience using the Insure My Trip site for our travel insurance left us feeling informed and impressed. We're confident you'll be able to quickly find the policy that best meets your needs, and that you'll have plenty of support should you need to file a claim.
Travel Insurance Center is one of several brands owned by Senior Market Sales, Inc. - and, as the name suggests, their target market for their products is the 50-and-up set. No worries if you are younger than that; they've still got travel insurance for you too.
This site is less polished than most of the travel insurance companies we reviewed. You start by entering the usual information about your trip, such as dates of travel, trip cost, and age of traveler(s). From there, you'll be taken to a grid with all of the plans that meet your needs. In our quote, there were a total of 9 different providers, such as AIG, Travel Insured, and Trawick International. The prices quoted were competitive with other providers. We didn't like that, for some policies, we had to click to see the price details rather than seeing them listed directly in the results chart. It was also confusing to have to click on multiple footnotes to see all of the different exclusions and other details for each policy.
We also got lost with the different tabs on our results page. We started out looking at Trip Protection plans, but several of the quotes had no coverage for trip cancellation. Then, there were additional tabs for Travel Medical, Emergency Evacuation, Global Insurance Benefits and Accidental Death. Would we have to piece together multiple insurance policies to cover those needs as well? The site didn't make it easy to answer that question. (Although we thought it was interesting to see that there are policies that specifically cover Kidnap/Ransom and War Risk.)
On the plus side, Travel Insurance Center's parent company has been in business for several decades and has an A+ rating as an accredited business with the BBB. Also, their customer service department is easily reached via toll-free number or email five days a week, for those who want to talk to an agent in person before deciding on an insurance plan for their travels.
Travel Insurance Center is trustworthy and reputable - but just not as sleek and up-to-date as many of the other companies we checked out.
Best Travel Insurance
To help you find the Best Travel Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Insure My Trip and Travel Insurance Center.
Who has the best travel insurance? The last time you took a trip, did you have travel insurance? If you were impacted by a natural disaster, suffered the hassle of lost baggage, or had a medical emergency, chances are good that you were wishing you had purchased a policy!
When it comes to tavel insurance, some people make the mistake of thinking that their credit card company offers protection, only to find out that their travel problems aren't covered. Other people forego travel insurance, assuming that their traditional health insurance policy will be enough to cover medical expenses - only to discover that it can't be used in another country.
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 added expense for the protection it provides.
Just like more traditional forms of insurance, such as medical and auto, travel insurance varies in terms of coverage, options, and costs. Depending on what you select, your policy may cover just the bare basics, like trip cancellation/interruption and baggage/personal items coverage. Or, you may opt for a very comprehensive plan that allows you to cancel your trip for any reason - not the standard list of covered cancellation reasons - and includes coverage for accidental death, emergency evacuation from a foreign country, and so forth.
There are many different companies that specialize in travel insurance. How do you know which one to choose? As you consider your options, here are several aspects to keep in mind:
TopConsumerReviews.com has reviewed and ranked the best Travel Insurance companies currently available. We're confident that this information will help you select the right travel insurance policy to cover yourself - and your travel companions - in the event of any unforeseen complications with your trip!
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.
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!
Travel Insurance In The News
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Also see: How "˜dry docking' could ruin your $10,000 cruise vacation Tourists should not expect travel insurance to help them out if the ship still sets sail. "Because the cruise was not canceled outri...
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Orbisresearch.com published "UK Travel Insurance Market" from its database. The report also includes a discussion of the key vendors operating in this market. (EMAILWIRE.COM, September 10 ...
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Officials say the firm has received 2,500 claims from travelers with storm-related policies, as of September 17. Additionally, Allianz' customer service center has fielded more than 400 calls from cus...
Published: Mon, 17 Sep 2018 13:15:00 GMT
Travelers who purchased traditional travel insurance prior to the storm forming may receive reimbursement of pre-paid, non-refundable trip costs if they must cancel a trip due to severe weather-relate...
Published: Thu, 06 Sep 2018 08:48:00 GMT
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