Travel Insurance Tips

When to get insurance for a trip

It is best to buy travel insurance shortly after making your reservation, preferably when you plan your year's worth of travel or after you've made your first trip deposit. Getting a quote online for travel insurance is simple because most inquiries involve just a few details, such as your age, where you reside, how much your trip will cost, and where you're going and when.

Whether you are traveling locally or abroad, you can easily and quickly acquire coverage for a single trip or an entire year of travel.

Additionally, keep in mind that the trip cancellation coverage does not kick in until at least 24 hours after you decide whether or not to buy travel insurance.

Choose the appropriate travel insurance plan

Select the features that are most crucial for your particular trip when selecting a travel insurance policy, and confirm that the benefit limitations are sufficient.

For example, if you are heading to the Gulf Coast with your family in September, your top three travel insurance requirements might be:

• Coverage cancellation due to a hurricane
• At least $100,000 in emergency medical evacuation coverage
• Inadequate connection monitoring

Examine the fine print of the travel insurance policy

The specifics of what is covered, including the causes of cancellations and coverage exclusions, are included in the policy certificate. To ensure there are no surprises and that you are aware of what is and is not covered, make sure you have read and comprehended the policy certificate. Additionally, you ought to bring a duplicate of the document with you on the trip in case something goes wrong and you need to submit a claim. It's crucial to keep in mind that not every state offers every benefit associated with travel insurance.

Recognize the exclusions for pre-existing conditions

Pre-existing medical issues that you have before your travel are often excluded from coverage under many plans, which could lead to a claim. Additionally, this prohibition could be lifted if you satisfy certain requirements, like:

• Shortly after the initial trip deposit, the insurance is bought.
• You are covered for the entire cost of the trip.
• Your health permits you to travel.

Refund policies for travel insurance

All insurance firms guarantee a free look period. Travelers can check their policies within this period (usually 10 to 15 days) and are eligible for a complete refund, less a little administrative cost (usually $5 to $8), but only in areas where allowed.

Monetary rankings

Make sure your insurance provider has the resources to support its claims when comparing travel insurance providers. Look at a company's ratings from independent rating agencies like A.M. Best, S&P, and Moody's if you don't have time to read its annual report.

Browse our trip insurance policies, which include single-trip, annual (multi-trip), and even cruise plans, to begin the process of purchasing travel insurance. Get a quote in minutes and find out more from Nationwide.