Independent travel insurance, on the other hand, gives you the ability to shop around and choose a plan that’s right for you.
Using a comparison portal like SquareMouth or an independent insurance agent will ensure you get coverage tailored to your trip and will allow you to select plans based on price or features.
For example, if packing important or valuable materials in your checked luggage, you may want a plan that has a higher baggage loss reimbursement. If traveling to a country where there’s a higher risk of contracting malaria or another disease, you may want insurance that offers more overseas medical coverage or medical evacuation. And hand-selecting the exact coverage you want or need is something you can only do if you shop around outside any coverage your airline offers.
Read the full NerdWallet article online here: https://www.nerdwallet.com/blog/travel/airline-travel-insurance-vs-independent-travel-insurance-which-is-right-for-you/