Best Travel Insurance
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Squaremouth vs Travel Guard
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.
With over one million insured customers, Squaremouth is no lightweight when it comes to travel insurance. With over 15 years in the travel insurance industry under their belt, Squaremouth has been internationally acknowledged as having one of the best customer service teams in the world. And, with more than 10,000 positive reviews from happy customers, this company stands out as the best travel insurance company.
One helpful feature of the Squaremouth site is the prominently-featured list of Current Events. You may not be aware that certain situations are not covered unless you purchase your travel insurance before the occur; named storms, transportation strikes, and acts of terrorism are just a few of these types of events. Squaremouth makes sure you know what's going on worldwide, so you can be better informed about your travels and your insurance coverage.
There are a number of features why Squaremouth leads the pack in terms of travel insurance. Some of these include:
Getting your quote is easy. After answering a few questions, such as the date of your trip, where you're going, and how many people you'd like to cover with your insurance, Squaremouth quickly narrows down the 100+ travel insurance policies to just the ones that fit your trip. You'll also be asked the trip cost, and whether or not you want to include cancellation coverage. If you're trying to book a multi-trip policy or coverage for a group, be sure to click on those links in the box at the top of the quote page.
Fun fact: as you enter your details, you can see how many other travelers Squaremouth has insured who match your demographic. There were almost 100,000 people in our age group, 27,500 who had the same trip cost, 760 that were going to our destination country, and 61,000 people from our state of residence. Squaremouth isn't kidding when they say, "We insure people like you"!
After Squaremouth processed our information, we were given a list of 21 policies that matched our needs. We liked that Squaremouth also makes it possible to see the policies for which we were ineligible for various reasons (such as purchasing our policy too many days after making the initial deposit). You can use the filters on the left side of the page to narrow down the options by specific coverage, like Cancel for any Reason and Medical Evacuation; the most common filters are listed at the top, and you can scroll down to find more detailed filters like Money Back Guarantee (under Other Benefits) or Sports (Hazardous and/or Amateur).
At the top of the results page, you can easily sort all of your results by cost, provider, popularity/reviews, or even by a particular coverage aspect like Cancel for Work Reasons. It just can't get any easier to find the right policy at the right price.
Because of their extensive selection of providers and policies, ironclad commitment to their customers, and streamlined search features, Squaremouth is our favorite site for purchasing travel insurance. They earn our ighest rating for the best travel insurance.
If you've ever gotten a travel insurance policy through a travel agent, it's likely you're familiar with Travel Guard. Backed by insurance giant AIG, Travel Guard is one of the best-known companies within the industry.
They currently offer 3 basic plans for your travel insurance needs:
To get your quote, you'll need to enter your destination, whether you're traveling by air or sea, the dates of your trip, and the trip cost. From there you'll be taken to a results page showing your options for all 3 available plans. For our quote, children were included at no additional cost for the Silver and Gold plans but not for the Platinum package - it seems that the highest level of coverage would have the most benefits, but apparently not.
The Platinum and Gold coverage both had Cancel for Any Reason as an optional upgrade, and all three plans offered a Pre-existing Condition Waiver if coverage was purchased within a specific timeframe of the initial deposit (usually 15 days).
One interesting limitation is that all travelers must live in the state of residence entered. We're not sure how this would work for grandparents traveling with grandkids who live in another state or for friends traveling together who live on opposite sides of the country.
Travel Guard enjoys an A+ rating as an accredited business with the BBB and has been in operation for nearly 40 years. Their reputation is positive, as shown by the fact that many comparison travel insurance sites include Travel Guard policies. But, shopping directly through Travel Guard does limit you to only 3 base plans that may not have all of the options you could get through a higher-ranked travel insurance site.
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
If you're planning a summer vacation, thinking about what could go wrong is probably the last thing you want to do. But travel insurance could come in handy if your trip is canceled or interrupted due ...
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If not, consider buying insurance that includes medevac services, which are recommended when traveling to more rural destinations. In addition to health coverage, travel insurance covers things like ...
Published: Thu, 23 May 2019 12:14:00 GMT
Before he left for a recent business trip to Lagos, Nigeria, Jay Libove had a thought: What if things took a turn for the worse? Specifically, did he need kidnapping insurance for travel? "I read the ...
Published: Sun, 19 May 2019 06:25:00 GMT
May 22, 2019 (Heraldkeeper via COMTEX) -- HTF Market Intelligence released a new research report of 100 pages on title "Global Travel Insurance Market Insights by Application, Product Type, ...
Published: Wed, 22 May 2019 13:43:00 GMT
TravelInsurance.com provides key insights to ensure travelers are covered this season NEW YORK, May 22, 2019 /PRNewswire/ -- The Atlantic Hurricane Season got off to an early start this year, with ...
Published: Wed, 22 May 2019 11:33:00 GMT
Sales of travel insurance are on the rise, possibly due to heightened awareness of risks posed by everything from terrorist attacks to a sudden illness. For travel advisors, insurance is both a ...
Published: Wed, 15 May 2019 01:05:00 GMT
WARWICK, R.I., May 22, 2019 /PRNewswire/ -- InsureMyTrip, the first-and-only travel insurance comparison site to adapt machine learning technology to create a personalized experience for travelers, ...
Published: Wed, 22 May 2019 08:54:00 GMT
ST. PETERSBURG, Fla., May 16, 2019 /PRNewswire/ -- Last hurricane season, 15 named storms hit the U.S., causing destruction, travel delays and canceled trips around the country. Entering what ...
Published: Thu, 16 May 2019 09:17:00 GMT
There is no insurance for illegal activities." Winter's advice for would-be mileage hackers? Find a credit card that fits your lifestyle, spend normally and reap the benefits. Legitimate travel ...
Published: Wed, 22 May 2019 19:19:00 GMT
May 14, 2019 (marketresearchupdates.com via COMTEX) -- Travel Insurance Market : The research report on the Global Travel Insurance Market provides a comprehensive analysis on the market on a global ...
Published: Tue, 14 May 2019 06:02:00 GMT
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