There are a couple of key indicators you want to look for in making your decision.
Your premium price is based on
*State of residence, and
#1: PRIMARY medical.
Primary coverage will pay first, before any other medical insurance. Secondary coverage will pay only after your primary medical insurance has paid the claim and that benefit has max’d.
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 $150 a day is inadequate.
#3: NEVER buy the insurance offered by the airlines at check out. This Is typically overpriced and under-delivered; many are sadly surprised to learn too late. All it is, is overpriced a la carte trip interruption.
If the flight gets canceled you don’t lose your money but have 12 months to reapply it. Federal requirements stipulate they must reimburse you if they have operational issues.
These policies are attractive to inexperienced fliers who might not have capacity to buy a hotel room and wait — or have impossible restrictions on date of travel because of weather.
Reality: this money is profit (+100 million) from ppl who think there’re “saving” with a cheap policy. Your money goes much further with an actual travel insurance policy, which covers this and much more.
Lots of cheap policies provide
secondary medical and lower daily coverage. Weigh your risk.
Then you want to define it by your situation and/or travel plans/destinations.
is coverage for pre-existing medical important? You’ll need to purchase within 7, 14, or 21 days of your initial trip deposit. Varies by policy.
Other option: see what travel insurance, your credit card provides. Look closely, because some are not particularly robust.
You may want to take a look at:
HTH Worldwide – Trip Protector Preferred –
Can add CFAR insurance for add’$, 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 little extra.
Tin Leg, IMG, and Seven Corners are other good options.
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