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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.
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.
Best Travel Insurance
To help you find the Best Travel Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Travel Insurance and 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.
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
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
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 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
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
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
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
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 ...
Published: Tue, 11 Sep 2018 04:48:00 GMT
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
Understand cancellation requirements and penalties if applicable. Know what coverage any purchased travel insurance does/does not provide. Continuously monitor the situation as things can change ...
Published: Mon, 10 Sep 2018 14:24:48 GMT
A couple whose city break was ruined when their flight was cancelled were told by Thomas Cook to claim the money back on their travel insurance, instead of being offered a full refund by the tour oper...
Published: Tue, 18 Sep 2018 03:25:56 GMT
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