Travel Insurance Review

So, you're taking a trip and thinking about some travel insurance

That's a good thing, but you need to do a little research first

Don't worry, it doesn't need to be a painfull ordeal, full of insurance jargon, small print, and "legal-ese". Travelers want insurance so they can enjoy their trip with out worry. You shouldn't have to spend hours reading policies or talking to insurance agents.

That's why I started TravelInsuranceReview.net

TravelInsuranceReview.net is a starting point (much like Squidoo itself). I like to think of it as the TechCrunch of travel insurance, an independant site reviewing and profiling the industry.

Travelers like to shop around a little

They like to read, click, read some more, and figure out what they are looking for. How often do you go to a site, click "buy now", and whip out the credit card?

The same goes for travel insurance shopping. Read, click, read some more, click...you get the idea

At TravelInsuranceReview.net, you can read about products, check out FAQ's, read reviews of travel insurance websites, and even interviews with industry leaders.

There are lots of links: links to different companies, links to articles from the web, and links to breaking news from Google News.

TravelInsuranceReview.net is a starting point for buying travel insurance...this lens is a starting point for TravelInsuranceReview.net

I'll cover the basics, the 5 W's if you will. What, Why, Who, When, and Where. After looking around here, head over to TravelInsuranceReview.net to dig a little deeper.

What is travel insurance?

"Travel insurance" is an insurance that is intended to cover financial and other losses incurred while traveling

If you get sick and end up in the hospital the day before departure, travel insurance will cover your cancelled plane tickets, hotel, and tour costs.

If you slip and fall in a foreign country, travel insurance will pay for the hospital expense, and any medical transportation.

If your bags are lost forever or even damaged, travel insurance will cover them.

If your trip is cut short due to an injury, illness, or even a death in the family, travel insurance will cover the expenses.

If a hurricane destroys your resort, travel insurance will cover you.

You get the idea. There are many risks when you travel, and any one of them can cause alot of pain and financial loss.

Travel insurance is an easy, simple, and cheap way to protect yourself and your family

Why do I need travel insurance?

So you can sleep better. Travelers spend a lot of time and money planning their vacations. Why risk all that time and money when you can easily protect yourself?

The idea is to get away, relax, see something new, have an adventure. You shouldn't worry about getting sick, having an accident, losing your bag, or missing a flight.

Travel insurance is meant to protect your investment in your vacation. Travelers spend thousands of dollars on their vacation, and leave it all up to chance without trip coverage.

Your health insurance from home does not work in foreign countries. They don't accept it, and a stay in the hospital can cost thousands.

If you need medical transportation to the nearest hospital or to return home, it can easily cost upwards of $100,000.

Who needs travel insurance?

Students need insurance when traveling overseas. This includes US citizens studying abroad, or foreign citizens studying here in the US

Vacationers need insurance to cover their trip investment. Airfare, hotel, cruise, and tour costs can be lost if the trip needs to be cancelled

Employees of international companies need insurance to cover medical expenses while away from home. US medical insurance does not work overseas.

Retirees who love to travel need insurance because Medicare does not cover outside the US

Expats living abroad, where their US health insurance does not cover

As you can see, travel insurance is not just for exotic world travelers. Nearly every type of travaler can use insurance protection. From families going on vacation for a week, to student backpackers traveling Europe, there is a policy to protect you and your trip.

When should I buy travel insurance?

The earlier, the better

When you start planning your trip, start researching travel insurance as well. Group it in with your research for airfare, hotels, and tours.

When you start making defnite plans, buying tickets or making deposits, that is when you want to purchase insurance

There is no advantage to waiting to buy. In fact, it could hurt you to wait until the last minute.

Certain policy benefits only apply when you purchase the policy within 10-15 days of initial trip deposits.

Where can I purchase travel insurance?

The best place to buy travel insurance is online

When you work with a travel agent or general insurance agent, you usually have one policy to choose from. You either take it or leave it, the price is set, you have no choice.

Shopping online gives you instant quotes from every major company. You can read the actual policies to check the "fine print". You can compare policies side-by-side. You can read reviews and customer feedback.

This is why I started
TravelInsuranceReview.net

A google search for "travel insurance" returns 145 Million results; dozens of companies, comparison websites, and countless high-priced adwords looking for your business.

At TravelInsuranceReview.net, you can read reviews, definitions, and recommendations. It is meant to be a starting point with lots of information, resources, and links.

Start your search at
TravelInsuranceReview.net

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Comparison Sites

These websites give you instant quotes and side-by-side comparisons

Squaremouth.com: Squaremouth.com is a very easy site to use. Just answer a few basic questions about your trip, and you'll get instant quotes from every major insurance company.

They also have great toolls to make shopping easier, like comparing policies side-by-side, pop-up definitions, save your quote, and email your quote to yourself for future research.
InsureMyTrip.com: A leader in the business, InsureMyTrip.com offers comparisons off virtually every insurance company.
Quotewright.com: Quotewright.com compares several policies, but not all of them. They have selected some of the best, and offer simpler choices.

Travel Insurance Companies

Here are some links to the major travel insurance company websites

CSA Travel Protection: CSA keeps it simple by offering one plan, named Freestyle. Customers had asked them to "just give us the best plan", and they answered by combining many different plans into the Freestyle plan.
Travel Guard: The leading travel insurance provider in the United States, Travel Guard is an AIG company offering a variety of products

The Big List-Travel Insurance Companies

ASA International Insurance: Worldwide travel insurance programs.
Community Insurance Agency, Inc.: Individual and group health insurance for foreign nationals visiting the U.S. or for U.S. residents during international travel.
Connelly, O'Leary, Collins Insurance: Providing international medical, emergency evacuation, and immigrant insurance.
Consolidated Health: Offers long and short term medical plans for international expatriates.
CT Business Strategies: International health insurance available instantly online for individuals and groups traveling abroad.
Eisenberg Associates: Offers international global protection, accident and medical insurance for tourists and world travelers overseas.
Expat Financial: Offers international life, health, disability and travel insurance to individual expatriates and their employers around world.
Garity Associates: Source of life and health insurance for worldwide travelers or expatriates. Includes a FastQuote service.
Highway to Health, Inc.: Providing members with access to health care worldwide.
Imagine Financial, Ltd.: Offering global health and medical insurance.
Inselect.com: Provides both temporary and permanent travel coverage.
International Corporate Benefits, Inc.: Real-time online quotes for international travel and life insurance. Also offering insurance solutions for special situations and clients.
International Medical Group: Offers international travel and major medical insurance for global citizens.
International SOS: International medical assistance, emergency services, healthcare, evacuation and repatriation services.
Internationalhealthins.com: Offers overseas medical and life insurance.
International Major Medical Insurance: Comprehensive international major medical and term life insurance resources.
Optimum Benefits, Inc.: Offers medical insurance for the traveler. Available are overseas health and foreign travel insurance with worldwide coverage.
Kleinman General Insurance Services: International travel health insurance for both U.S. and non-U.S. citizens. Online quotes and purchase available.
MultiNational Underwriters, Inc.: Provides international health and life insurance products designed to meet the needs of those that travel or live outside their country of citizenship.
Navigator Travel Insurance: Offers worldwide medical insurance for backpacking and independent travellers.
New York International Group: Global medical, travel, and life insurance for individuals, business travelers, expatriates, and students.
Global Underwriters Agency, Inc.: Offers international medical and travel insurance. Site includes instant quotes and online policy issue.
Europ Assistance Corporation: Offers international travel and health insurance, as well as other assistance services. Site includes country specific travel and health information.
Specialty Risk International: Underwriters of international, travel, and worldwide medical insurance programs for citizens of any nation.
Transglobal Travel: Global travel, medical, and life insurance offered for the executive traveler.
SAS, Inc.: International traveler insurance, including online quotes and purchase.
Insuractive, Inc.: Purchase short and long term travel insurance, international medical insurance, and travel protection online.
Travelersmed.com: Offers a variety of short term travel medical insurance plans for the world traveler.
International Insurance Advisors: Offers international life, health, and travel insurance.
SOS Evasan SA: Offers travel medical assistance insurance, including urgent medical expenses, evacuation, and repatriation. Products meet Schengen visa entry requirements in Europe.
Services for International Travel and Education (SITE): Offers travel insurance and 24-hour assistance worldwide for companies, organizations, and private individuals. [German, English]
Insure & Go Insurance Services Ltd: Features packages for holiday makers, backpackers, ski and international business travellers.
Holiday Insurance Web: Provides Single-trip, Annual, Backpackers, Ski and Snowboarding insurance cover.
Travel Health Insurance: Provides insurance information including benefits, tips, and links to companies.
Rock Insurance Services: Provides travel insurance solutions designed specifically for insurance brokers.
AllClear Travel Insurance: Offers travel insurance cover for people with pre-existing medical conditions.
Travel Insurance Direct: Offer single trip, multitrip, ski and wintersports cover with business options for UK & Irish residents.
MRL Insurance Direct: Travel insurance services for holiday makers, backpackers, ski and business travellers.
Worldwide Travel Insurance Services: Details and prices of travel policies with on-line quotes and purchase facilities. Information on a range of travel insurance products.
Go Travel Insurance Services Ltd: Provides policies to UK and Irish residents.
Travel Insured International, Inc.: Offers medical and trip interruption and cancellation insurance for travelers worldwide. Site provides travel resources and frequently asked questions.
24DrTravel.Com: Travel insurance for families, students and backpackers. Backed up by travel health news, alerts and information.
Primary Insurance: Provides online quotation for single and annual multi trip travel insurance for individuals and families.

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