Has Anybody Ever Purchased Travel Insurance? How Much Does It Cost And Who Did You Get It From?

[Loryn]

I'm planning a trip and am thinking about getting travel insurance. What are the rates and any advice on what to look for would be much appreciated.

[Hezron]

You definitely need travel insurance.  There are several types, but I would nto travel without it for several reasons.  1) If you get sick and need to go to a hospital out of the country, your health insurance is NO GOOD and you have to pay cash to be seen.  This can be unaffordable for many and you will be turned away if you can't pay up front. Also, if you are going on a trip, and it is cancelled, you will want insurance to get your money back.  For instance, you are going on a cruise, and your flight is delayed, so you miss the boat.  You are out of luck and money unless you have trip insurance.  it is not that expensive, and you can buy it thru your travel agent at time of booking.

[Elam]

We've used Travel Guard. They are reasonable and have good coverage.

[Unwyn]

Depends It depends on where and how you are traveling Bobbyfk 85 months ago Please sign in to give a compliment. Please verify your account to give a compliment. Please sign in to send a message. Please verify your account to send a message.

[Burhtun]

Travel Guard We've used Travel Guard. They are reasonable and have good coverage. csifreak 86 months ago Please sign in to give a compliment. Please verify your account to give a compliment. Please sign in to send a message. Please verify your account to send a message.

[rumford]

It depends on where and how you are traveling

[Darwin]

Definitely: Travel Insurance..........ABSOLUTE YES if you are leaving the country You definitely need travel insurance.  There are several types, but I would nto travel without it for several reasons.  1) If you get sick and need to go to a hospital out of the country, your health insurance is NO GOOD and you have to pay cash to be seen.  This can be unaffordable for many and you will be turned away if you can't pay up front. Also, if you are going on a trip, and it is cancelled, you will want insurance to get your money back.  For instance, you are going on a cruise, and your flight is delayed, so you miss the boat.  You are out of luck and money unless you have trip insurance.  it is not that expensive, and you can buy it thru your travel agent at time of booking. jgmrdh1 85 months ago Please sign in to give a compliment. Please verify your account to give a compliment. Please sign in to send a message. Please verify your account to send a message.

[Buckley]

In these uncertain days, travel insurance could become a money-saver.In many cases, travel insurance just isn't worth the added expense. Short trips with prices to match don't merit a policy.But if you're booking a honeymoon cruise or some other "dream trip," travel insurance could save you a lot of money and aggravation.Some varieties to consider:# Medical/Dental coverageDoes your health insurance cover you in another country or continent? Some offer only partial coverage that could leave you liable for a big portion of the bill. Many travelers also get coverage that will provide transportation home or at least to adequate medical facilities.# Terrorism/Civil UnrestIf a given airline decides to put its crew and equipment at risk and fly to a troubled destination, they are not usually obligated to provide a refund if you choose not to join them. Beyond the so-called hot spots, September 11th taught us that one terrorist attack can shut down thousands of airports far removed from the violence.# Trip Interruption/CancellationFactors beyond our knowledge and control can influence travel plans. If you lose your money on an interrupted or canceled trip, will you have enough to continue the journey at some other time? For many of us, the answer is "no."# Luggage/Personal Possession LossYou've heard it before, but it bears repeating: leave your valuables at home! But sometimes, an expensive camera or formal suit needed on the trip becomes lost or stolen. Your homeowner policy probably covers some of this, but perhaps only a portion of the total. Read up on what coverage you have in place, and suppliment it if necessary.# Bankruptcy ProtectionNational airlines recently ceased operations. A news release from the airline stated "ticket holders should be able to fly on other carriers." What happens if the other airlines can't meet your needs? This is a variety of insurance for people with very detailed, specific travel requirements.This is not an exhaustive list of insurance available, but it covers what most travelers are likely to want. Now the question is: what are the best ways to go about buying these coverages? Insurance companies -- like everyone else in the business world -- will sell you as much of their products as possible. Their best interests might not equate with your needs.Before buying any of these policies, consider the worst-case scenario. You aren't likely to be financially crippled if a $200 non-refundable airplane ticket is suddenly useless. But a $3000 cruise or tour payment could hurt you, and minimize the options for scheduling at a later date.Another key is to consider reasonable risks. For example, if you're planning a Caribbean cruise for October, it is reasonable to expect an itinerary to be altered or canceled due to weather.Some general tips:# Consider medical coverage if traveling to another countryThis is especially important if you're in a developing country with limited medical resources. Weigh the costs of a policy that will pay to transport you to help. Odds are your medical insurance does not cover foreign treatments.# Check policies already in effect for possible coveragesMost travelers decline car rental company insurance because their auto policies cover them in such situations. The same may be true for a wide variety of other travel needs. For example, theft and loss prevention could be covered in your homeowner policy. Buying duplicate coverage does not double your benefit. It wastes money and creates confusion that could actually delay payments.# Frequent travelers should consider year-round policiesThis coverage is sold by time frame, not by trip. It can be quite inexpensive--sometimes less than $100 USD per year.# The fine print countsYou might feel quite comfortable with trip interruption or cancellation insurance. But make note: these policies almost always spell out specific reasons for a cancellation. If your particular situation isn't mentioned, the company does not have to pay. Be certain a lengthy list of reasonable causes is listed before you buy.# Don't rely on your travel agent aloneThey are experts on travel, not insurance. Check with the insurer by email or on a toll-free "help line."# Ask lots of questionsThese will begin with the phrase "what if...?" You'll never cover every possible problem, but you'll begin to see a pattern after a few of these are answered. That pattern might tell you the coverage is too narrow and therefore not worth the expense.# Buy coverage from a source independent of your other arrangementsThere are several reasons for this advice. If a cruise line files for bankruptcy, will their insurance package protect you from cancellation costs? Probably not. In addition, tours and cruise lines tend to build in a lot of exceptions to their policies. An independent source is less likely to do so. Expect to pay at least five percent of your trip cost for the policy.

[devdutta58]

There are many different types of travel insurance depending on where you are going too. International travel insurance is designed for U.S. citizens traveling overseas or foreign nationals visiting the United States. This type of travel insurance policy protects you from major and minor medical emergencies, accidents and illnesses during your travels.Seven Corners offers four international travel insurance options for within the USA and abroad.Vacation Insurance & Travelers Medical InsuranceVacation travel plans can be derailed for a variety of reasons. Only comprehensive trip interruption insurance can protect you from the costs and inconveniences associated with airline bankruptcies, flight delays, airline cancellations, tour cancellations, lost luggage and lost hotel reservations. We also offer evacuation and multi-trip coverage! With Seven Corners travel protection and trip cancellation insurance you will be covered for any reason.Seven Corners offers 4 different trip cancellation programs under its RoundTrip brand: RoundTrip & RoundTrip Choice and RoundTrip Economy & RoundTrip Elite.Seven Corners offers the industry's most comprehensive trip cancellation insurance and travel insurance policies.   VicDaniel 25 months ago

[burhtun]

Travel insurance costs roughly 5% to 12% of the total cost of the trip In these uncertain days, travel insurance could become a money-saver.In many cases, travel insurance just isn't worth the added expense. Short trips with prices to match don't merit a policy.But if you're booking a honeymoon cruise or some other "dream trip," travel insurance could save you a lot of money and aggravation.Some varieties to consider:# Medical/Dental coverageDoes your health insurance cover you in another country or continent? Some offer only partial coverage that could leave you liable for a big portion of the bill. Many travelers also get coverage that will provide transportation home or at least to adequate medical facilities.# Terrorism/Civil UnrestIf a given airline decides to put its crew and equipment at risk and fly to a troubled destination, they are not usually obligated to provide a refund if you choose not to join them. Beyond the so-called hot spots, September 11th taught us that one terrorist attack can shut down thousands of airports far removed from the violence.# Trip Interruption/CancellationFactors beyond our knowledge and control can influence travel plans. If you lose your money on an interrupted or canceled trip, will you have enough to continue the journey at some other time? For many of us, the answer is "no."# Luggage/Personal Possession LossYou've heard it before, but it bears repeating: leave your valuables at home! But sometimes, an expensive camera or formal suit needed on the trip becomes lost or stolen. Your homeowner policy probably covers some of this, but perhaps only a portion of the total. Read up on what coverage you have in place, and suppliment it if necessary.# Bankruptcy ProtectionNational airlines recently ceased operations. A news release from the airline stated "ticket holders should be able to fly on other carriers." What happens if the other airlines can't meet your needs? This is a variety of insurance for people with very detailed, specific travel requirements.This is not an exhaustive list of insurance available, but it covers what most travelers are likely to want. Now the question is: what are the best ways to go about buying these coverages? Insurance companies -- like everyone else in the business world -- will sell you as much of their products as possible. Their best interests might not equate with your needs.Before buying any of these policies, consider the worst-case scenario. You aren't likely to be financially crippled if a $200 non-refundable airplane ticket is suddenly useless. But a $3000 cruise or tour payment could hurt you, and minimize the options for scheduling at a later date.Another key is to consider reasonable risks. For example, if you're planning a Caribbean cruise for October, it is reasonable to expect an itinerary to be altered or canceled due to weather.Some general tips:# Consider medical coverage if traveling to another countryThis is especially important if you're in a developing country with limited medical resources. Weigh the costs of a policy that will pay to transport you to help. Odds are your medical insurance does not cover foreign treatments.# Check policies already in effect for possible coveragesMost travelers decline car rental company insurance because their auto policies cover them in such situations. The same may be true for a wide variety of other travel needs. For example, theft and loss prevention could be covered in your homeowner policy. Buying duplicate coverage does not double your benefit. It wastes money and creates confusion that could actually delay payments.# Frequent travelers should consider year-round policiesThis coverage is sold by time frame, not by trip. It can be quite inexpensive--sometimes less than $100 USD per year.# The fine print countsYou might feel quite comfortable with trip interruption or cancellation insurance. But make note: these policies almost always spell out specific reasons for a cancellation. If your particular situation isn't mentioned, the company does not have to pay. Be certain a lengthy list of reasonable causes is listed before you buy.# Don't rely on your travel agent aloneThey are experts on travel, not insurance. Check with the insurer by email or on a toll-free "help line."# Ask lots of questionsThese will begin with the phrase "what if...?" You'll never cover every possible problem, but you'll begin to see a pattern after a few of these are answered. That pattern might tell you the coverage is too narrow and therefore not worth the expense.# Buy coverage from a source independent of your other arrangementsThere are several reasons for this advice. If a cruise line files for bankruptcy, will their insurance package protect you from cancellation costs? Probably not. In addition, tours and cruise lines tend to build in a lot of exceptions to their policies. An independent source is less likely to do so. Expect to pay at least five percent of your trip cost for the policy. Sources: http://www.insuremytrip.com/ EddieNygma 86 months ago Please sign in to give a compliment. Please verify your account to give a compliment. Please sign in to send a message. Please verify your account to send a message.