Travel Insurance
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Travel Insurance Quotes
Travel insurance policies can cover many different types of vacation. If you’re planning a cruise vacation, a European city trip, or a staycation in sunny California, you need to consider the best way to protect yourself from accident, illness, of flight cancellation expenses. Get a free travel insurance quote now to see how much it costs.
Why Do I Need Travel Insurance?
Hospital bills and emergency treatments can be expensive, especially if you’re in a foreign country. A simple MRI scan can cost over $1,000 in some countries. Most travel insurance policies cover you for accident and emergency treatments which can include all types of scans.
Types of Policies
When looking at travel insurance you generally have two different types of policies, Single Trip, and Annual/Multi-Trip. These are self-explanatory, but within these categories, you can choose from different levels of cover - generally basic, mid-level, and premier. They all have varying levels of coverage that might include just medical, medical plus cancellation cover, and complete cover including luggage replacement costs.
Policy Excess or Deductible
An insurance deductible is the amount of money that you have to pay on a claim. For example, if your medical bill is $5,000 and you have an excess or deductible of $200, you will pay the $200 amount, and the insurance company will pay the remaining $4,800. And just like car insurance policies, the higher your excess, the lower your premium - so make sure you can afford to pay the excess as stated on your travel insurance policy.
Annual Limit
The annual limit is the maximum amount of money your travel insurance carrier will reimburse you within one year. This varies depending on your insurance plan.
