Get the most out of your Travels

Although are many covered reasons for the Trip Cancellation Benefit, not every possible reason is covered. Travel insurance policies do not cover fear of traveling or a change of mind or other similar discretionary reasons.  Cancel For Any Reason gives the traveler 100% freedom to cancel a trip for a non-covered reason, generally 2 days or more before the scheduled departure date, and be reimbursed for a percentage of the cancellation penalty amount (such as 75% or 80%).

Medical benefits included in travel insurance policies are provided on either a primary or excess basis. What does this mean to you and which is better?

Primary coverage means that the policy will cover you from the very first dollar of expense without regard to any other insurance you may have. However, primary insurance only covers medical expenses for treatment during your trip. . .

A travel insurance plan is composed of a package of benefits intended to protect you, your travel investment and your belongings.  At a minimum, a good plan will provide benefits for:

Generally, the more coverage the better the plan. All plans that include a trip cancellation benefit provide coverage for sickness, injury or death, but may or may not cover a Pre-Existing medical condition.  “Better” and “Best” policies may cover many of the following additional reasons:

Travel insurance is designed to cover both you and the cost of your travel arrangements against a variety of unforeseeable reasons that may affect you or your travel plans.  Following is a more detailed description of each of the travel insurance benefits and its importance.

Most travel insurance policies exclude losses resulting from “Pre-Existing Conditions”. While the policy language may vary from company to company, generally, policies exclude any condition treated or recommended to be treated in a 60 to 180 day period prior to the purchase of the policy.

Travel insurance benefits are conditioned upon key concepts, terms and provisions which define not only what is covered, but items that may not be covered or are limited by definition.  Understanding what these provisions are and how they work is key to understanding what you are buying.

Like last year, a volcanic eruption in Iceland is causing flight delays and cancellations. The current eruptions began on May 21, 2011. How does travel insurance respond to this situation?

Baggage and Baggage Delay – What happens if your bags are damaged or lost or delayed? The baggage benefit provides coverage on your baggage and personal. If your bags are delayed (generally for…

Medical Expense/Emergency Assistance – This benefit reimburses you for medical treatment during your trip if you become sick or are injured while traveling.  Additionally, air transport expenses (such as upgraded air arrangements,…

Pre-Departure Trip Cancellation – What if you are unable to take your planned trip? Are some of your payments non-refundable?  This benefit covers the non-refundable trip costs when you must cancel your…

More and more, travelers are realizing that buying travel insurance can be a wise financial decision when planning a trip, especially when traveling internationally. Purchasing travel insurance protects your vacation investment, your…

One of the most important factors in choosing a travel insurance provider is its reputation and financial stability.  To learn more about a travel insurer: Review your travel insurer’s financial ratings –…

Welcome to the new TripInsurance.com.   There have been many interesting challenges to build what we hope will be the easiest site for buying travel insurance: Developing a way to group products…