Best Travel Insurance
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Travel Guard vs Seven Corners
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.
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.
Based in Indiana, Seven Corners offers a wide variety of policies that they service themselves. In fact, Seven Corners is the preferred partner for AmeriCorps volunteers and was the only site we saw that offered unique coverage like Faculty/Student Travel Insurance and Visitor/Immigrant Insurance for people visiting or immigrating to the U.S.
To begin your quote, choose the blue button for either domestic or international coverage. If you're traveling domestically, you'll be asked if you're a US resident, visiting the US for business or pleasure, immigrating to the US, or a Student/Faculty member on a visa. For international travel, you'll need to indicate if you're traveling for less than or more than a year. As you select the descriptions that correspond to your travel insurance coverage needs, you'll be taken to a simple summary of the plans that match your trip.
Seven Corners offers three basic levels of coverage:
At the bottom of your results page, you'll find an easy-to-understand comparison chart of the benefits of each coverage level. On our results, we were told that we were not eligible for the Choice package; it was only when we scrolled down that we saw the fine print indicating that Seven Corners' Choice plan is not available in Alaska, Colorado, Florida, Indiana, Kansas, Massachusetts, Missouri, New Hampshire, New York, Virginia, or Washington - so, if you live in one of those 11 states, you essentially have only the highest and lowest tiers of coverage to choose from.
Once you choose from the available plans in your area, you'll be given options for customizing your coverage, such as Rental Car Damage and Flight Accident. The Seven Corners site doesn't make it easy to determine details like what reasons would be covered for cancellation; we had to click through several screens to get to the list, and then we couldn't find any options for popular upgrades like Cancel for Work Reasons or Cancel for Any Reason. If those are important to you, you may not find them with Seven Corners.
And, if customer reviews are any indication, there's another thing you may not find with this company: paid claims and support from their customer service department. While we found many reviews that were happy with Seven Corners' website, policies, and coverage, that satisfaction rating fell through the floor when we looked at customers who actually had to make a claim. We found dozens of complaints that said that their claims for covered reasons were denied, delayed, or just ignored altogether.
Given that the company only offers their own policies, and that their service on those policies has a less-than-stellar reputation, we can't recommend Seven Corners as one of our top choices for your travel insurance needs. We strongly suggest that you consider the higher-rated travel insurance sites in our review.
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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Published: Tue, 16 Jul 2019 08:10:00 GMT
SAN FRANCISCO (KGO) -- The cost of going on vacation can add up. So, is paying for travel insurance worth it? Seven on Your Side's Michael Finney spoke with Bay Area Consumers' Checkbook, Kevin ...
Published: Mon, 15 Jul 2019 17:16:00 GMT
A family faces financial ruin after a serious snowmobile accident left one member requiring major surgery - and her insurer refused to pay out. The Jackson family took out 'extensive' travel insurance ...
Published: Mon, 15 Jul 2019 23:47:00 GMT
Travel insurance is considered an essential holiday document - yet many UK-based globetrotters are being boxed out. Currently, numerous policies do not cover pre-existing medical conditions, leaving ...
Published: Mon, 15 Jul 2019 07:32:00 GMT
No one wants to imagine being sick or injured on vacation; but if the worst happens, it pays (literally) to be prepared. Medical travel insurance can save you considerable hassle, time and money, and ...
Published: Thu, 11 Jul 2019 16:42:00 GMT
Hey, Bank of Dad, quick question: I'm taking vacation in August with my family. When, if ever, does getting travel insurance actually make sense? Do I need it for every trip? What are the ...
Published: Fri, 12 Jul 2019 17:03:00 GMT
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