How We Chose the Best Travel Insurance What Travel Insurance Features Matter and Why Cancellation/Interruption Coverage Trip Cancellation/Interruption Coverage lists the different events that are covered should a traveller have to cut short or cancel a trip. Many of the top travel insurance companies offer the same covered events, including illness, injury, or death; a terrorist attack; a natural disaster; or a traffic accident en route to departure.
The best companies stand out by covering pre-existing medical conditions as well as workrelated reasons. This is an important category to consider when selecting an insurance company because it gives customers a good sense of whether or not the insurance offers the coverage they are looking for. Medical and Personal Coverage Medical and Personal Coverage details what the insurance provider pays for in the event that a traveller requires emergency medical treatment during the trip. Most pay for medical and dental care, including costs for hospital service, ambulance transportation, and prescription medications. The best insurance also covers costs associated with treatment for pre-existing medical conditions. This category is quite important because travel often takes a person outside their coverage network where traditional health insurance may not pay for treatment. Overseas Travel Insurance helps make up for this and gives customers some much-needed peace of mind.
Travel Coverage Travel Coverage is an extremely important category that identifies what types of events the insurance provider covers. Trip cancellation and trip interruption coverage are what most people will be after, but the best providers also reimburse travellers for missed connections, delays, and lost luggage.
If a passport or visa is lost or stolen, many companies also assist customers in getting a replacement at no additional cost to them. It's important to note that all of the best travel insurance companies perform well in this area, so it may not play a significant role when ultimately selecting between two insurance providers. Coverage Types Coverage Types refers to the different types of plans offered by the insurance company. The most common type is single-trip insurance, but there are also special plans designed for longterm international travel and for groups of 10 people or more. Frequent travellers may want to search for a company that has an annual plan, which covers an unlimited number of trips within a 12-month period. This category is worth paying attention to while searching for the best coverage, but since most people are probably looking for single-trip insurance, which is easy to find, this category won't likely be a big concern for most. Travel Services Travel Services are the extra resources the insurance company provides as part of the travel insurance package. It may include services like interpretation assistance and help with emergency cash transfers. Rental car coverage is another common offering, though it usually costs extra. Concierge services help with securing tickets or reservations, and business assistance is also available for those travelling for work. But although these services are a nice bonus to have, they're not central to a travel policy and shouldn't weigh too heavily in most people's decision-making process. [Source: http://www.reviews.com/travel-insurance/]