Why Are Some Plans Less Expensive but Have Higher Benefits?

When comparing travel insurance, many plans vary significantly in price.  In some cases, a plan might have higher benefit levels than plans that are more expensive.  This is because the cost of the premium is calculated based on your individual quote, and different plans are designed for different demographics.  Some plans are less expensive when […]

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What is My Final Trip Payment Date?

One question that must be answered to get a travel insurance quote is whether or not there are trip payments remaining.  The final trip payment date is when the largest single expense of the trip is paid in full.  This is important because some travel insurance carriers provide coverage for pre-existing conditions only if the […]

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Can I Insure a Trip That I Won?

Travel insurance can be purchased to cover many types of travel.  However, trip cancellation and trip interruption coverage will only insure pre-paid and non-refundable expenses of the trip.  If a trip is a prize that was won, then there is no out of pocket expense of the traveler and no money at risk in the […]

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What is my Deposit Date?

To get a travel insurance quote, the initial trip deposit date must be entered.  This should be the date that the first payment of any kind was made toward the trip.  This could be a cruise, flight, lodging or tour, for example. This date is important because some coverage benefits are only available for a […]

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When Should I Purchase Travel Insurance?

Travel insurance can be purchased at the very beginning of travel planning up until the day before departure.  However, there are advantages to purchasing early.  Some coverage benefits are only available for a short amount of time from the initial deposit date, normally 14 – 30 days.  Examples include coverage for pre-existing conditions, financial default, […]

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Where Can I Read the Official Policy Language?

When comparing travel insurance plans, it is sometimes necessary to get more details.  The certificate of insurance is available on the plan detail page before purchase and is included in the email confirmation.  More specific details, such as the definition of a family member and the policy exclusions, are in the certificate.  Travel insurance companies […]

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Is the Cost of Insurance Per Person?

When getting a travel insurance quote on squaremouth.com, the premium cost listed is a total cost.  Some benefit levels are per person, while others can be per policy.  Always refer to the certificate of insurance for details.

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How is Premium Calculated?

What determines the cost of travel insurance premium can vary by insurance company and the plan.  The trip cost is a factor for plans that offer trip cancellation and interruption.  The duration of the trip and the ages of the travelers factor into the cost of the premium, as well.  Optional coverage,  benefit limits and […]

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What is Cancel For Any Reason Coverage?

Some travel insurance plans offer cancel for any reason coverage.  This benefit is different than trip cancellation, which requires that the trip be canceled for a covered reason listed in the policy. Cancel for any reason literally means that the trip can be canceled without providing a reason.  However, the traveler will not be reimbursed […]

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Travelex Definition of Mountaineering

Many travel insurance policies specifically exclude mountaineering from coverage.  This can either be defined by an elevation limit or the use of ropes and pick axes for the purpose of climbing.  The following is the definition of mountaineering from Travelex.  Always refer to the certificate of insurance for details. “Mountaineering is the sport of walking, […]

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