When planning for a trip, the traveler can use sites such as TravelInsurance.com or Insure My Trip to compare coverage and rates from multiple different companies. These sites also offer information and advice regarding different types of travel insurance policies as well as the ability to purchase a policy once the user has made a decision.Continue Reading
Prior to purchasing a travel insurance policy, the traveler should check any homeowner, health or credit card insurance for coverage of travel-related claims, advises REI. He can then choose a policy that fills in the necessary gaps in his existing coverage rather than pay for it twice. Additionally, many travel insurance policies only act as supplements to existing coverage, says Insure My Trip. For example, the traveler's primary health insurance must pay for medical care first before the travel insurance kicks in to cover the remaining costs. Therefore, it is important to note any exclusions, limits in coverage, deductibles or other costs, and factor those elements into his choice of policy as well as his travel plans.
The type of coverage a traveler needs varies with the nature of the trip, the location, the length of the trip, and the traveler's current health or medical needs, states REI. These factors also affect the amounts of the premium and deductible.Learn more about Insurance