How do I find a travel insurance policy?
An online search for “travel insurance” is likely to pull up a long and confusing list of travel insurance choices, but there are really just three options.
BUY DIRECT. Companies sell insurance policies directly to travelers, usually online. The big players are Allianz, CSA, and Travel Guard. A full list of other insurance companies worth checking out is on the U.S. Travel Insurance Association’s website.
BUY THROUGH YOUR TRAVEL COMPANY. Many travel companies, including airlines, cruise lines, and tour operators, offer optional insurance directly to consumers. These can be a good deal, but it’s worth shopping around before deciding to buy one of these policies. Also, be careful of tour operators or cruise lines that offer generic protection services. They won’t cover you if the company goes belly-up.
BUY THROUGH A TRAVEL AGENT OR THIRD PARTY. Your travel agent may offer an insurance policy. More on that in a moment. You might also consult an online company that specializes in comparing and evaluating insurance policies, such as Squaremouth, Travel Insurance Review, Trip Insurance Store, and InsureMyTrip.com. These can be useful resources for quickly finding the best travel insurance policy for your circumstances.
Travel insurance is extremely competitive, and by checking with multiple sources, you won’t just find better terms or prices, but also avoid buying a potentially useless policy.
Read the full article from Huffington Post at: http://www.huffingtonpost.com/2014/03/17/travel-insurance-101_n_4957141.html