Travel insurance can be a staple in a well planned trip. Nothing can ruin a dream vacation faster then lost luggage or an unplanned medical care, travel insurance can be a real life saver for unplanned expenses. No one single travel insurance policy or provider is right for each individual for any trip so it's important to consider a few key factors when deciding if travel insurance is right for you, and if it is, which policy and providers match your needs. Take into consideration: Know what you need covered Most major policies cover any combination of the following risks
Trip Cancellation/Interruption (Reimburses for canceled or cut short trips)
Emergency Medical Care (Covers treatment for medical emergencies)
Medical Evacuation & Repatriation (Covers medical transport or return home if necessary)
Baggage/Personal Item Loss and Delay (Covers Lost, Stolen, delayed or damaged bags and personal items)
24/7 Worldwide Assistance (helps deal with claims, emergencies, or other assistance during the trip)
Depending on your needs, you might look for a policy with coverage on a combination of these risks or all five. When selecting a policy remember to evaluate your needs and what's important to you that is covered before you make your selection. Look for their financial strength A travel insurance policy is worthless if the provider you choose can't back up it's claims. Luckily A.M. puts a rating on financial strength, a good grade means the company can back up it's claims. It's financials are in order and you can rest easy knowing your claims will go through. Read the details Insurance providers are always trying to sneak in loop holes and secret clauses, read the fine print and make sure you are getting the coverage you thought. Don't be afraid to ask questions, do your research, and be skeptical. For more details on travel insurance policies Reviews.com can be a great place to start. Test the customer service You'll want to make sure your provider is there for you when you need them. They should be able to help you choose the right policy, file claims easily, and be able to help with any other questions or problems along the way. If they're a headache to deal with just choosing a policy, you can pretty much grantee filing a claim with them will not be easy either. You can have the best coverage in the world and it won't mean anything if you can't get through to customer service when you need them. Do your research, know your needs, and make the right decision for your and your travels.