Does the State of Residence Matter with Travel Insurance?

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The answer is yes.  All insurance is regulated at the state level, and travel insurance is no exception.  Thus, there are some coverage benefits of travel insurance that are not available to residents of every state.  This can include rental car damage, identity theft, cancel for work reasons and cancel for any reason.  When obtaining a quote from Squaremouth, “resident of” is a question that must be answered.  If the state of residence nullifies a coverage benefit, then the description of that benefit will specifically say that it is not available to residents of that state.  Always refer to the certificate of insurance for details.