Travel Insurance Review

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Let’s be frank: paying for travel insurance is just one more expense before that vacation and chances are you will pay more for it than you get back.

That is, unless something goes wrong with your trip.

This much is certain: when you need insurance, you are certainly glad to have it. And when you break your leg on an African safari, you will be grateful you purchased travel insurance. If you planned a big vacation excursion, or if you travel regularly, investing in holiday travel insurance will offer peace of mind. It could easily end up saving you thousands of dollars if the unexpected happens.

You can find relatively cheap travel insurance and, if you choose wisely, you can of the best travel insurance for you. A comprehensive package is a valuable tool that can provide medical coverage in foreign environments, protection against unexpected events and simple services that can recover or replace lost luggage.

There is not a one-size-fits-all insurance policy that is best for everyone. With that in mind, look at our top three travel insurance plans: CSA Travel Protection, MH Ross and TravelSafe. Another thing you might consider is looking exclusively at travel insurance, rather than a company that provides all types of insurance, but has travel insurance as a sort of add-on. If something goes seriously wrong on your trip, you undoubtedly will want to talk to someone who is a travel expert and whose focus is entirely on issues relating to travel-related matters.

For more information on travel insurance, how it works and how to get the most from your plan, check out our articles about travel insurance.

Travel Insurance: What to Look For

You might be surprised how much international travel insurance policies differ from one other. Each vendor emphasizes a slightly different aspect of protection. Therefore, you should buy the policy that is most pertinent to you. The three main categories to understand are travel benefits, medical benefits and the help and support features.

Travel Benefits
What happens if something prevents you from starting a trip that you have insured? What is the trip cancellation policy? How do you receive compensation for the prepaid and nonrefundable expenses incurred? Is there an option to cancel the trip for any reason? You would be smart to find answers to these questions before you buy.

Once under way, you should know the benefits that are available for you if the trip is interrupted. What happens if your trip is delayed or you miss a connection? Who pays for the resulting expenses? Will the holiday insurance policy compensate if your carrier loses or delays your baggage and you have to purchase something that was lost? It is always best to know the answers to these questions before you sign on the dotted line.

Medical Benefits
Some travel insurance policies lump together a benefit that covers any sort of medical or dental emergency caused by accident or sickness. Some policies subdivide the medical categories to provide one benefit for, say, emergency medical and dental, and another benefit for emergency accident and sickness. Most, but not all, budget travel insurance vendors cover costs of emergency medical evacuation. Among those that do, the range of compensation varies dramatically. Some providers include a benefit for common carrier accidental death and dismemberment and some do not.

Optional Benefits
There are always extras that can add a great deal to a trip and you might want insurance for these types of services. For example, if you plan to rent a car, policies that offer car rental coverage could be useful. As troubling as it might seem to think about, many policies also offer coverage for you or your loved ones if you have the terrible misfortune to die or be seriously injured while traveling.

Help & Support
In the help and support areas, many travel insurance policies are quite similar. Most offer 24-hour toll-free or collect telephone access to travel, business and concierge services. A review period immediately following your purchase gives you an opportunity to cancel your policy and receive a full refund. The length of this review period varies by provider.

Once you have armed yourself with the proper information and compare travel insurance policies, you can make a choice to purchase travel insurance online to get the level of security you desire. Take the time to find the right policy and you will get the best travel insurance for your money. Knowing that you are covered is the first step to a great vacation.

 
 
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Rank #1#2#3#4#5#6#7#8#9#10
10-9  Excellent
8-6    Good
5-4    Average
3-2    Poor
1-0    Bad
CSA Travel Protection MH Ross TravelSafe Travelex Travel Guard Protect Your Bubble Travel Insured International Allianz Global Assistance InsureandGo HTH Worldwide
CSA Travel Protection MH Ross TravelSafe Travelex Travel Guard Protect Your Bubble Travel Insured International Allianz Global Assistance InsureandGo HTH Worldwide
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Ratings
9.78
9.28
8.85
8.30
8.25
6.60
6.48
6.35
5.75
3.13
10
9
8
7
6
5
4
3
2
1
10.00
10.00
9.38
8.75
9.38
9.38
8.75
9.38
8.75
8.75
9.38
8.75
7.75
8.75
8.75
8.75
7.50
8.25
9.38
10.00
6.88
6.25
5.00
8.75
5.63
6.88
6.25
9.38
6.25
7.50
2.75
8.75
5.00
7.50
2.50
8.75
3.75
0.00
3.75
8.75
 
Travel Benefits
Quoted Premium* $206 $164 $184 $167 $178 $227 $145 $242 $105 $171
Trip Cancellation Trip Cost Trip cost Trip Cost Trip Cost Trip Cost Trip Cost Trip Cost Trip Cost Trip Cost Trip Cost
Trip Interruption 150% Trip 125% Trip Trip Cost Trip Cost Trip Cost Trip Cost Trip Cost 150% Trip 150% Trip  
Trip Delay Compensation $1,000 $750 $500 $500 $750 $500 $500 $800 $750  
Minimum Trip Delay 6 Hours 6 Hours 6 Hours 5 Hours 12 Hours 6 Hours 12 Hours 6 Hours 6 Hours  
Missed Connection $1,000 $1,000 $500 $500 $250 $500   $800 $750  
Missed Connection Delay 3 Hours 3 Hours 3 Hours 3 Hours 3 Hours 3 Hours   N/A 3 Hours  
Lost Baggage $1,500 $1,500 $500 $500 $1,000 $500 $750 $1,000 $750 $500
Baggage Delay Compensation $500 $250 $100 $100 $300   $200 $300 $300  
Minimum Baggage Delay 24 Hours 12 Hours 12 Hours 12 Hours 12 Hours   24 Hours 24 Hours 12 Hours  
Concierge Services
  
 
Supplier Bankruptcy/Default
  
  
 
Identity Theft Help
   
     
Medical Benefits
Emergency Medical Evacuation $1 Million $500,000 $100,000 $100,000 $500,000 $50,000 $100,000 $500,000 $500,000  
Emergency Medical Coverage $250,000 $50,000 $35,000 $15,000 $25,000 $50,000 $10,000 $25,000 $25,000  
Emergency Dental Coverage $250,000 $750 $750 Included With Medical $500 Included With Medical $750 (Part of Medical) Included With Medical $750  
Pre-Existing Conditions Waiver Available
 
 
Consult a Doctor
         
Optional Benefits
Rental Car Insurance $50,000 $35,000 $35,000 $35,000 $35,000 $50,000 $25,000 $40,000   
Add Rental Car Coverage $9 Daily $7 Daily $7 Daily $59 One-Time Fee $9 Daily $0 $7 Daily $9 Daily   
Common Carrier Accidental Death & Dismemberment Up to $100,000 Up to $500,000 Up to $500,000 $200,000 Up to $500,000   Up to $1 Million   $15,000 $100,000
Help & Support
Underwriter Stonebridge Casualty Insurance Arch Insurance United States Fire Insurance Stonebridge Casualty Insurance National Union Fire Insurance Generali U.S. Branch United States Fire Insurance Jefferson Insurance MAPFRE Assistance Stonebridge Casualty Insurance
Full Refund Policy 10 Days 14 Days 10 Days 10 Days 15 Days 10 Days 14 Days 10 Days 10 Days 10 Days
24/7 Phone Help
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