[Constance]

There are a couple of key indicators you want to look for in making your decision.

Your premium price is based on

*Your age,

*State of residence, and

*Trip cost.

#1: PRIMARY medical.

Primary coverage will be paid first, before any other medical insurance.

Secondary coverage will be paid only after your primary medical insurance has paid the claim and that benefit has maxed.

Your travel insurance should be the first payer.

**Make sure the medical coverage is primary – not secondary.

#2: Look for higher daily limits than the typical $150/day for trip delay/trip interruption.

Anyone who experienced an unplanned hotel stay with meals, etc. can tell you $150 a day is inadequate.

#3: NEVER buy the insurance offered by the airlines at check out.

This is typically overpriced and under-delivered; many are sadly surprised to learn too late.

All it is, is overpriced a la carte trip interruption.

If the flight gets canceled you don’t lose your money but have 12 months to reapply it.

Federal requirements stipulate they must reimburse you if they have operational issues.

These policies are attractive to inexperienced fliers who might not have the capacity to buy a hotel room and wait — or have impossible restrictions on the date of travel because of weather.

Reality: this money is profit (+100 million) from ppl who think they’re “saving” with a cheap policy.

Your money goes much further with an actual travel insurance policy, which covers this and much more.

Lots of cheap policies provide

secondary medical and lower daily coverage. Weigh your risk.

Then you want to define it by your situation and/or travel plans/destinations.

Is coverage for pre-existing medical important?

You’ll need to purchase within 7, 14, or 21 days of your initial trip deposit.

Varies by policy.

Other option: see what travel insurance, your credit card provides.

Look closely, because some are not particularly robust.

You may want to take a look at:

HTH Worldwide – Trip Protector Preferred:

Can add CFAR insurance for add’$, but great Trip delay coverage built in.

There are a lot of nice extras here.

Medical is $500K.

$200/day coverage for trip delay.

Trawick International – Safe Travels Voyager:

Can add CFAR later on. Good broad trip delay coverage.

Medical is $250K.

$150/day – coverage for trip delay – can buy up to $500 per day/$7000 max for a little extra.

Tin Leg, IMG, and Seven Corners are other good options.

Compare reviews and prices on SquareMouth or Insure My Trip

squaremouth.com

Travel Insurance - Compare the Best Quotes & Buy Online

Squaremouth helps travelers quote, compare, and buy travel insurance. We help every customer to find the best trip insurance for the lowest price.

[Vernon]

Go to Squaremouth.com and plug in your particulars.

They do not require much data but you get many choices and can tweak the coverage ranges to get what you want.

[Lorna]

InsureMyTrip.com will let you compare a bunch of different company’s plans.

insuremytrip.com

Travel Insurance Quotes - Compare & Buy Trip Insurance

Compare travel insurance quotes to find the right coverage for your trip. Read 1000s of trip insurance reviews by travelers like you & buy from InsureMyTrip!

[Nathan]

Very happy with Allianz.

I go with the big guys in this situation

[Khalid]

I have been happy with Insure My Trip.

All phone agents are licensed insurance agents and very helpful.

[Leanna]

Seven Corners allows you to compare different policies.

[Norberto]

We use an annual policy through Allianz.

Cost efficient if you travel 100 miles from home twice or more a year.