Travel Insurance Review

as-seen-on-header

  • Home
  • Compare Plans
  • Beginner’s Guide
  • Reviews
    • Allianz
    • CSA
    • HTH Worldwide
    • MH Ross
    • Seven Corners
    • Travel Guard
    • Travel Insured
    • Travelex
    • TravelSafe
    • See All Companies
  • Plans
    • Package/Trip
    • Travel Medical
    • Evacuation
    • Flight Accident
    • See All Plan Types
  • Coverage
  • Tips & Advice
  • About
You are here: Home > Beginner's Guide > How to select a plan based on your needs

How to select a plan based on your needs

Update: You can now download this entire guide as a convenient PDF. Click Here to get the Free PDF

Travel Insurance Guide Part 4: Selecting a planWe have discussed how the right travel insurance coverage can protect your vacation and give you peace of mind.

You’ve also learned about the 2 most popular types of travel insurance, and how vacation plans are by far the most popular choice for travelers.

The next step is to pick a plan, but first we need to get back to the topic of coverage.

Each travel insurance company has a variety of plans to choose from. These plans will each have varying coverage, which makes some plans more affordable and other plans higher priced.

Start by identifying your most important coverages

When you start comparing plans, you will need some criteria to help you prioritize and narrow down your choices.

Use a list of coverages that you think are the most important for your trip. You might also factor in minimum coverage amounts on certain coverages like medical expenses.

For example: A family taking a Disney cruise in September might have the following coverage criteria:

  1. Hurricane & Weather coverage for cancellations is a must
  2. Medical Evacuation coverage of at least $100,000 is necessary as well
  3. Missed Connection coverage would be nice since there is a connecting flight

This list of coverage criteria will help the family choose a plan that meets their needs. They will be able to filter out plans that do not have these minimum criteria, making the choice easier.

This is not a complete list of coverage, but simply a prioritized list of the most important coverages for their trip.

How to determine the key coverages for your trip:

  1. Browse the list below to find the most important coverages for your trip
  2. Start with the 2 or 3 key coverages to get started
  3. When you’re ready to compare plans use a comparison website

(Note: You can print this page with the ‘Print Friendly” button at the bottom right corner)

Most Popular Coverage Criteria

  • Emergency Medical (at least $50,000)
  • Medical Evacuation (at least $100,000)
  • Pre-existing Medical Conditions
  • Cancel For Any Reason
  • Hazardous Sports
  • Hurricanes & Weather
  • Terrorism
  • Employment Layoffs
  • Missed Connections
  • Rental Car Coverage

Cancellations

  • Trip Interruption
  • Hurricane & Weather
  • Terrorism
  • Financial Default
  • Employment Layoff
  • Cancel For Work Reasons
  • Cancel For Any Reason

Medical Related

  • Primary Medical
  • Emergency Medical
  • Pre-existing Medical
  • Medical Deductible

Evacuations

  • Medical Evacuation
  • Non-Medical Evacuation

Loss or Delays

  • Travel Delay
  • Baggage Delay
  • Baggage Loss
  • Missed Connection

Life Insurance

  • Accidental Death
  • Air Flight Accident
  • Common Carrier

Sports

  • Hazardous Sports

Other Benefits

  • Rental Car
  • Money Back Guarantee
  • 24 Hour Assistance Service
  • Identity Theft
  • Renewable Policy
  • All Events Upgrade

Use a comparison tool to compare plans based on your criteria

When you’re ready to compare plans based on your criteria, use a comparison website where you can filter by coverage and compare plans side-by-side.

Next in the series:
Next we will look at 5 Common “Loopholes” and How to Avoid Them, where you’ll see the common ‘small print loopholes’ in travel insurance and how to avoid them.

Go back to the Travel Insurance 101 series.

How to save money and find the best travel insurance

Use a comparison tool to get quotes for all plans, easily compare, and buy online

  1. 1. Click the big orange button below: This will take you to the comparison tool
  2. 2. Enter your trip details: Dates, travelers, cost, etc...then click the Quote Now button
  3. 3. Use the tools to narrow your choice: Use the Filtering and Compare features to pick a plan
  4. 4. Buy online: After selecting a plan, use a credit card to securely enroll online
  5. 5. Rest assured: Instant confirmation of coverage and 10 Money Back guarantee


Insure your trip nowInstant quotes, compare top plans, enroll securely How it works


Insure your trip nowInstant quotes, compare top plans, enroll securely How it works

About this website

Damian Tysdal Profile PhotoMy name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

The Beginner’s Guide to Travel Insurance

  • Examples of "Real Life" Travel Risks
  • What does travel insurance cover?
  • The 2 Most Popular Types of Travel Insurance
  • How to select a plan based on your needs
  • Five “Loopholes” and How to Avoid Them
  • Top 10 Travel Insurance FAQs
  • 4 Steps After You Purchase Travel Insurance
  • How to Get Quotes and Compare Plans
 Travel Insurance Review, Inc. BBB Business Review


ABOUT TRUST ONLINE
ustia

Popular Companies

  • Allianz Insurance
  • CSA Travel Insurance
  • Seven Corners Insurance
  • Travel Guard Insurance
  • Travel Insured
  • Travelex Insurance
  • TravelSafe Insurance

Learn about Travel Insurance

  • Beginner’s Guide
  • Coverage Guide
  • Tips and Advice
  • Company Reviews
  • Types of Plans
  • Types of Trips

Blog Article Categories

  • Learning
  • Types of Plans
  • Types of Trips
  • Coverage
  • General
  • In The News

Copyright (c) 2006-2017 Travel Insurance Review Inc. | XML Site Map
Information on this Web site is provided for information purposes only. Any information obtained from this Web site should be reviewed with your Policy Certificate. Travel Insurance Review Inc. is not responsible for errors or consequences arising from your use of this information.