QuoteWrights Travel Insurance Buyers Guide

What to look for in a travel insurance plan

Key things to consider when looking for the right plan.

Depending on your needs, here are some things to look for:

Trip Investment

  • Trip cancellation/interruption
    • what are the covered reasons?
    • coverage for pre-existing conditions?
      • does exclusion apply to non-traveling family members? Some do and some don't.
  • Missed connection
    • hours of delay?
    • maximum limit of coverage?
  • Travel delay
    • hours of delay?
    • maximum limit of coverage
      • limit per person per day
    • what are the covered reasons?
      • does it include the hospitalization of a traveling family member?

Personal coverages

  • Medical expense
    • amount of coverage - more is usually better but depends on how much coverage you already have.
    • does a deductible apply? 
    • is coverage restricted only to "emergency" coverage?
    • are "pre-existing medical conditions" excluded from coverage?
    • primary or secondary coverage?
  • Emergency medical evacuation
    • amount of coverage
      • is it adequate for your destination?
    • evacuation to hospital of choice?
    • are pre-existing medical conditions excluded from coverage? Some plans specifically exempt this coverage from the pre-existing conditions exclusion.
  • Flight accidental death coverage

Property

  • Baggage and personal effects loss or damage
    • maximum limit of coverage
    • limits on single items or pairs?
    • deductible?
    • requirements for sales receipts
  • Baggage delay
    • maximum amount of coverage
    • hours of delay

Pitfalls and Fine Print


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