[Scottie]

I would purchase travel insurance for Aruba, or really anywhere for that matter.

Coverage depends on the plan you purchase.

There are usually several tiers from which to choose, with the lowest offering the least coverage and the highest offering the most.

Ensure the policy has components that are important to you: good medical, trip interruption/delay, and things like that.

*Choose a plan with 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 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.

Be sure your policy does not require you to return home between trips in order to have the next one covered.

Read the fine print.

Coverage does not reset after each trip.

So if something happens and you use 75% of the available coverage, your next trip within the annual plan year would only have 25% of the maximum coverage remaining.

GeoBlue, Trawick International (Safe Travels Annual Executive), Seven Corners (Wander Frequent Traveler Plus) Travel Guard, IMG, and Allianz (All Trips Premier) are worth looking at.

[Israel]

To cover what risk, and what card did you put the purchases on?

For me, so long as I paid with a card with decent trip cancel cover, and most of Chase’s premium cards count, I’d be content with that.

[Nedra]

You can use Squaremouth to enter your coverage criteria and view multiple policies with multiple companies and compare rates.