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Quote Wright vs Travel Insurance Center

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QUOTE WRIGHT

QuoteWright was started by professionals who started their careers with the first provider of Travel Insurance in the United States. The company's goal is to provide "old-fashioned quality" in their service to the customer. So, how well do they deliver?

Given the outdated look and feel of the site - including "Recent Blog Posts" dated three years before our review - it seems like QuoteWright leans a little heavily on the "old-fashioned" label. You won't find any current travel advisories, up-to-date advice for travelers, or many of the other features seen on competitor websites.

You will find the same basic quote process used by most travel insurance providers: enter your trip details (number of travelers and their ages, state of residence, trip cost, and so on) and you'll be taken to an easy-to-understand comparison chart with the plans that QuoteWright has available for you. For our trip, they offered plans through 6 different providers - all well-known insurance brands, but fewer to choose from than other comparison services.

We appreciate that QuoteWright has a solid reputation with the Better Business Bureau, and that they offer responses to customer questions via toll-free phone and live chat (10am-5:30pm Eastern Time), as well as via email from 7A-10P 7 days a week. But, they get left in the dust by most other travel insurance companies, who offer a much more comprehensive experience with helpful information and more providers to choose from.

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TRAVEL INSURANCE CENTER

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.

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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 Quote Wright 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:

  • 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!

 



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