Protecting Yourself After You Buy Travel Insurance

shutterstock_71690329You’ve just gone through the process: comparing your travel insurance options on the online sites and maybe also checking in with a travel agent or a cruise line. You’ve found the policy you want, determined the level of coverage that best fits you and your travel needs, and put your money down.

Are you finished? Well, you’re almost there. Just to ensure that you’re properly insured and all set for your vacation—here are 3 suggestions we’d like to make.

First, review your plan carefully.

Once you’ve purchased your policy, you have a free look period of 10 days. This is standard for every plan as sanctioned by law. To be on the safe side, review it as soon as possible. Then, ask the insurer questions about anything you’re unsure about and about any possible risks you might have and whether they are covered by the plan.

One area to look at with special care is the exclusions section, which lists things your policy doesn’t cover (such as accidents that occur when you are under the influence of alcohol, mountain climbing, etc.).

Another area to be especially careful about is medical evacuation coverage. Depending on where you are traveling in the world, adequate coverage here can range from $50,000 to $200,000. For more information, you might want to look at a recent blog we posted on American Care Air Ambulance, a company that specializes in this service.

If want to change plans or increase your trip cost for a plan you’ve purchased through, go here for help adjusting your plan.

Second, save and copy the confirmation.

If you’re fine with the plan, print and make multiple copies of the email confirming the transaction. Next, save the e-copy online in a place where you can access it with an electronic device such as your smart phone or a hotel computer. Then, put the different print copies into different items you will be taking on your trip. Perhaps one goes into your suitcase, another into your traveling companion’s suitcase, then one more into each of your wallets.

The moral, of course, is: you never know when you may need this confirmation. Not only does it confirm that you have travel insurance and include both the policy number and effective dates, but it also gives you various emergency contact numbers that, with all policies, you can contact 24/7/365.

Finally, if you have any claims questions, contact your insurer ASAP.

At, for example, we urge you not to delay. The sooner you—and we—know what’s happening with you, the sooner we can help. For a more detailed look at the all ways we’re committed to serving you, check out our various client services.

If you purchased through, feel free to call our toll-free number at 877-219-8169 or email us at

Even if you haven’t purchased your travel insurance yet and just want knowledgeable and friendly people to chat or correspond with, you’re welcome to call or email us. We’re always happy to help.


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