If you’re planning a trip and want to make sure that everything goes smoothly, it’s a good idea to research your options for travel insurance. Travel insurance provides financial protection against unexpected expenses, lost, damaged or stolen baggage, cancelled flights, medical evacuation and emergencies, broken or stolen electronics and more. It gives peace of mind while allowing you to enjoy your trip without having to worry about financial concerns.
Before comparing a few insurance brokers and companies, I want to go through a few things to consider before buying.
Before you start comparing travel insurance providers, it’s important to understand your own travel insurance needs. That way, you can choose an emergency medical plan that covers the potential emergencies that you’re likely to face on your trip.
One thing you should take into consideration is the destination you are going to and activities you are planning on doing. There’s a higher chance of hurting yourself if you are planning on going on an extreme mountain biking trip than if you were planning a relaxed retreat in a spa environment. Of course anything can always happen, so it’s good to calculate all possible scenarios.
If you’re thinking about getting travel insurance, there’s one thing you should do first: check your credit card. Many credit cards have varying levels of travel insurance coverage. For example, one card might offer basic medical coverage and cancellation protection, but not trip interruption or loss of baggage insurance. Another may cover all three in addition to rental car damage and delay protection—and so on. So make sure to check your credit card provider’s terms and policies.
Also note that not all credit cards or cards that include both, debit and credit, have travel insurance. Then it is suggested that you compare travel insurances and get coverage for your trip separately.
The best way to find good travel insurance is to stick with companies that have been around for a long time and have proven themselves trustworthy over the years. You can usually tell this by their reputation, customer reviews, and even how they look on social media. A big bonus is when they have different kinds of policies you can select from based on your needs.
When shopping around for travel insurance, make sure the company has at least a “B+” rating or better. You can find ratings from many sites i.e. here https://web.ambest.com/ratings-services (you have to sign in and make a free account first). Also look for recommendations from reliable sources like websites focused on finance, and insurance companies’ social media. People usually write reviews on comments if they don’t like their service.
When it comes to choosing travel insurance, there are many things to consider. A good place to start is with the company itself. Research the company and read reviews from other customers. Does the company have a good reputation? How long has it been around? Do they offer any customer support options like live chat or phone support?
Here I have mentioned 3 different companies, 2 of them are brokers and 1 is its own company.
Visitors coverage is an insurance broker, so they work for multiple leading health insurance carriers. They say it’s user friendly, safe, easy and fast to use their website. You can get a quote, compare plans and buy your choice in less than 5 minutes.
They offer multiple different plans including EU/Schengen area insurance, visitor, student, immigrant and student visa insurance plus much more. They also offer destination based insurance, which is a nice and different addition to the usual.
What I like about their website is their Knowledge Centre, where they offer valuable information about how insurance works and what to consider before buying. They have a dictionary for difficult insurance words and an informative blog.
I like the transparency of the Knowledge Centre, since it’s important to know insurance related vocabulary in order to make the best decision on what company and what plan to choose. They also have a blog where they have suggestions and tips on important subjects.
Insubuy is an insurance broker, so they don’t work for any specific insurance company. It is a one stop shop with multiple agents. They offer insurance worldwide, not just for US citizens. They have coverage for covid, accidents, separate plans for cruises and flights and much more.
They claim to be a neutral broker. So what does it mean? Insurance premiums are regulated by law, and no company is allowed to offer a different price for the same insurance.
There are many things that can determine the cost of your insurance including your age, deductible, the type of insurance you plan on choosing and the length of your trip. As long as you choose the same parameters the broker can not charge you any more or less than the premiums regulated by the law.
They focus on nomad style insurance and offer insurance only for individuals and teams doing remote work.
Before choosing a company you want to use, do some research. Read reviews from Google, Trustpilot and social media. See if they have any comments or reviews that share the same problem.
Compare websites, see what company has the most user friendly website and who is the most transparent with a mindset to put the customer first. How websites look and how easy it is to navigate makes a huge difference, at least for me!
If you’re looking for the best travel insurance, I hope I’ve helped you and given you some info you can use on your next trip!
Thank you for reading this article,
~Avoyago
Affiliate disclosure: I only recommend products I would use myself. By writing reviews, I aim to give valuable information of the service or product and all decisions are our own. This post may contain affiliate links and at no additional cost to you I may earn a small commission that helps maintain this blog. Thank you <3
If you’re planning a trip and want to make sure that everything goes smoothly, it’s a good idea to research your options for travel insurance. Travel insurance provides financial protection against unexpected expenses, lost, damaged or stolen baggage, cancelled flights, medical evacuation and emergencies, broken or stolen electronics and more. It gives peace of mind while allowing you to enjoy your trip without having to worry about financial concerns.
Before comparing a few insurance brokers and companies, I want to go through a few things to consider before buying.
Before you start comparing travel insurance providers, it’s important to understand your own travel insurance needs. That way, you can choose an emergency medical plan that covers the potential emergencies that you’re likely to face on your trip.
One thing you should take into consideration is the destination you are going to and activities you are planning on doing. There’s a higher chance of hurting yourself if you are planning on going on an extreme mountain biking trip than if you were planning a relaxed retreat in a spa environment. Of course anything can always happen, so it’s good to calculate all possible scenarios.
If you’re thinking about getting travel insurance, there’s one thing you should do first: check your credit card. Many credit cards have varying levels of travel insurance coverage. For example, one card might offer basic medical coverage and cancellation protection, but not trip interruption or loss of baggage insurance. Another may cover all three in addition to rental car damage and delay protection—and so on. So make sure to check your credit card provider’s terms and policies.
Also note that not all credit cards or cards that include both, debit and credit, have travel insurance. Then it is suggested that you compare travel insurances and get coverage for your trip separately.
The best way to find good travel insurance is to stick with companies that have been around for a long time and have proven themselves trustworthy over the years. You can usually tell this by their reputation, customer reviews, and even how they look on social media. A big bonus is when they have different kinds of policies you can select from based on your needs.
When shopping around for travel insurance, make sure the company has at least a “B+” rating or better. You can find ratings from many sites i.e. here https://web.ambest.com/ratings-services (you have to sign in and make a free account first). Also look for recommendations from reliable sources like websites focused on finance, and insurance companies’ social media. People usually write reviews on comments if they don’t like their service.
When it comes to choosing travel insurance, there are many things to consider. A good place to start is with the company itself. Research the company and read reviews from other customers. Does the company have a good reputation? How long has it been around? Do they offer any customer support options like live chat or phone support?
Here I have mentioned 3 different companies, 2 of them are brokers and 1 is its own company.
Visitors coverage is an insurance broker, so they work for multiple leading health insurance carriers. They say it’s user friendly, safe, easy and fast to use their website. You can get a quote, compare plans and buy your choice in less than 5 minutes.
They offer multiple different plans including EU/Schengen area insurance, visitor, student, immigrant and student visa insurance plus much more. They also offer destination based insurance, which is a nice and different addition to the usual.
What I like about their website is their Knowledge Centre, where they offer valuable information about how insurance works and what to consider before buying. They have a dictionary for difficult insurance words and an informative blog.
I like the transparency of the Knowledge Centre, since it’s important to know insurance related vocabulary in order to make the best decision on what company and what plan to choose. They also have a blog where they have suggestions and tips on important subjects.
Insubuy is an insurance broker, so they don’t work for any specific insurance company. It is a one stop shop with multiple agents. They offer insurance worldwide, not just for US citizens. They have coverage for covid, accidents, separate plans for cruises and flights and much more.
They claim to be a neutral broker. So what does it mean? Insurance premiums are regulated by law, and no company is allowed to offer a different price for the same insurance.
There are many things that can determine the cost of your insurance including your age, deductible, the type of insurance you plan on choosing and the length of your trip. As long as you choose the same parameters the broker can not charge you any more or less than the premiums regulated by the law.
They focus on nomad style insurance and offer insurance only for individuals and teams doing remote work.
Before choosing a company you want to use, do some research. Read reviews from Google, Trustpilot and social media. See if they have any comments or reviews that share the same problem.
Compare websites, see what company has the most user friendly website and who is the most transparent with a mindset to put the customer first. How websites look and how easy it is to navigate makes a huge difference, at least for me!
If you’re looking for the best travel insurance, I hope I’ve helped you and given you some info you can use on your next trip!
Thank you for reading this article,
~Avoyago
Affiliate disclosure: I only recommend products I would use myself. By writing reviews, I aim to give valuable information of the service or product and all decisions are our own. This post may contain affiliate links and at no additional cost to you I may earn a small commission that helps maintain this blog. Thank you <3
