Best Travel Insurance 2018
Get the latest on the best travel insurance providers. Reviews and comparisons of the top travel insurance companies in the country.
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The following companies are our partners in Travel Insurance: Allianz , Travel Guard Insurance , Tokio Marine , RoamRight , World Nomads , Berkshire Hathaway , MedjetAssist , Travelex , TravelInsurance.com , First Allied Limited , Aardvark Compare , and Seven Corners .
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What is Travel Insurance?
By and large, travel insurance plans are made up of three key components, trip cancellation/interruption, emergency medical, and baggage.
- Trip cancellation coverage will usually refund the entire non-refundable purchase price of your trip if it gets canceled or interrupted for covered reasons that vary by provider. Injury or illness prior to the trip is, in fact, the most common trip cancellation claim. As long as you purchased the policy prior to the injury or illness, and have documentation from a doctor that the person in question cannot travel, your travel insurance policy will compensate you for all the non-refundable costs of your trip. So if you spent $10,000 on your family s summer vacation and you cannot go because your daughter is ill, this is the type of travel insurance coverage that will reimburse you.
- Medical coverage pays for emergency care if you get hurt or ill while traveling. Different companies offer different maximum amounts that vary by plan. This coverage typically also includes emergency medical evacuation, which pays to transport you to a proper facility if there is not one available in your vicinity. Dental coverage is also included in some plans.
- Baggage coverage will reimburse you for your belongings if your luggage is lost, stolen, or damaged; it also will sometimes pay for purchasing necessities if baggage is delayed.
- Comprehensive plans combine all three.