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Insure My Trip vs Travel Insurance

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INSURE MY TRIP

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.

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TRAVEL INSURANCE

Travel Insurance offers plans from 11 different insurance companies: not as many as our first-place site, but still an impressive range that will cover the needs of practically any traveler.

Start your quote by answering basic questions like trip cost and travel dates; all of the questions are helpfully located all on one page (compared with several other sites that make you go through several pages in the quote process). You'll be given an initial results page; our trip particulars resulted in 17 plans that matched our needs. From there, if you have specific features in mind - Trip Cancellation, Pre-Existing Condition Exclusion Waiver, and so forth - you'll be able to check those boxes to further filter your results. You can also sort your results in a number of ways, such as by price, provider, or customer reviews - just be aware that you may not see this sort option if you don't have the browser window at full size. v

Travel Insurance gets high marks for showing customers at a glance the kind of details they want to know right away: customer reviews, basic coverage details and limits, A.M. Best ratings, and percentage of customers who would recommend each plan. You can also click the Add to Compare button for all of the plans that look like a good choice for your trip coverage.

If you need help from their customer service department, you can use Travel Insurance's toll-free number from 9a-8- Monday through Friday (though the site doesn't specify which time zone that covers).

This leads us to one small drawback with using Travel Insurance as your comparison site: there's no indication that they offer any support should you need to make a claim. In fact, on the Claims page, you'll only find the contact information for each of their providers, but nothing that says that Travel Insurance will help you make your claim (or contest the decision if your claim is denied). To be more competitive with our top-ranked services, we'd love to see Travel Insurance offer something to the people who purchase through their site.

On the other hand, we were very impressed with the number of positive ratings from customers: more than 30,000 at the time of our review! Granted, most of the customer comments talked about the easy-to-use website and the affordable coverage; few mentioned anything about how claims were handled or how customer service representatives managed concerns or questions. But, with 98% of all Travel Insurance customers recommending the service, we're sure you'll have a good experience using their site to find a policy that fits your travel plans.

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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.

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:

  • Reputation. Does the travel insurance company have an established track record for customer satisfaction, not just during the process of buying a policy, but more importantly when claims are made? Has the business received any accreditations from A.M. Best or the BBB?
  • Selection. Can you find a wide variety of policies through this business? Do you have the ability to add on optional features, like Cancel for Work Reasons or Pre-existing Conditions coverage?
  • Cost. Does the site offer policies within your budget range? Travel insurance premiums are strictly regulated, but not every site offers policies on both ends of the price spectrum and everywhere in between.

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.

  • 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!

 



Travel Insurance In The News

Norwegian Cruise Co. Accused Of Travel Insurance Ruse

Law360 (September 24, 2018, 5:00 PM EDT) -- Norwegian Cruise Lines got hit with a proposed class action Friday in Florida federal court alleging the company reaped concealed kickbacks via the sale of ...

Published:  Mon, 24 Sep 2018 18:05:00 GMT



Should You Buy Travel Insurance Before a Trip

Opinions expressed by Forbes Contributors are their own. Travel I cover travel rewards, my trips, and products. Share to facebook Share to twitter Share to linkedin You might think the two largest dec...

Published:  Tue, 11 Sep 2018 07:10:00 GMT



Why on Earth would a company offer insurance for space travel

Drivers need insurance before they get on the road. And space companies need it before they hurtle metal projectiles into the sky. Offering insurance for space flight might seem like an insane ...

Published:  Sat, 15 Sep 2018 03:17:00 GMT



Setoo Raises $9.3 Million for Insurance Innovation: Travel Startup Funding This Week

Setoo is helping to pioneer a wave of customized protection products, such as letting travelers buy coverage to get money back if there's not enough snow during a ski trip. The new products ...

Published:  Thu, 20 Sep 2018 22:37:00 GMT



Hurricane Florence Evacuation Not Enough to Trigger Travel Insurance Coverage for Residents in Storm's Path

ST. PETERSBURG, Fla., Sept. 11, 2018 /PRNewswire/ -- Residents of the East Coast are preparing for Category 4 Hurricane Florence, with more than 1 million facing mandatory evacuation orders.

Published:  Tue, 11 Sep 2018 13:53:00 GMT



Why trip insurance may not help if Hurricane Florence ruins your cruise vacation

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...

Published:  Thu, 13 Sep 2018 08:41:00 GMT



Florence Causes Spike in Travel Insurance Claims

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



Allianz Under Fire by Australian Commission for Travel Insurance Sales

An Australian unit of German insurer Allianz SE sold travel insurance that misleadingly promised unlimited emergency medical cover wherever people were even though the policies had limits on both cost ...

Published:  Mon, 17 Sep 2018 03:58:00 GMT



Insurance advice with Florence in mind, airlines help travelers change plans amid hurricane and more

In Tuesday's Money Matters, Jane King discusses some insurance advice with Hurricane Florence in mind, airlines that are letting travelers change their travel plans due to the storm and a new ...

Published:  Tue, 11 Sep 2018 10:33:00 GMT




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