How do I find the best travel insurance policy?

If you’ve decided to buy a travel insurance policy, your next question should be: “Where?” Here are a few tips.

Christopher Elliott

Christopher Elliott is an author, journalist and consumer advocate. You can read more about him on his personal website or contact him at Got a question or comment? You can post it on our help forum.

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  • VoR61

    I reviewed a recent TI purchase and found pretty much what I expected. So many terms and conditions that it would be hard to use it, save for personal illness. For example, you have to work for your employer 3 years or more to qualify for the unemployment refund.

    What I did learn in the interim is that TravelSafe sells a “for any reason” policy that lets you specify which portion(s) of your trip you wish to cover. This supposedly differs from all other providers in that they (the others) require you to cover the entire trip. Not sure how pricey TravelSafe is, but I will check them out for our next trip.

  • Thoroughlyamused

    Almost all travel insurance policies offer Cancel for Any Reason coverage. This is almost always an optional extra which can almost double the cost of the policy, and it only provides 75-85% reimbursement if you utilize it.

    Insuremytrip is a great website that acts as a travel insurance search engine. My recommendation is to find a company that offers a more broad level of reimbursement. I’m writing from San Juan (great place to ring in the New Year!) and this trip was totally nonrefundable to the tune of $8,000, plane tix, hotels, everything. My grandfather was in hospice care at the time we booked the trip, so travel insurance was a great option. After researching the different companies, we found one, Travelguard, that offered 100% trip cancellation insurance AND covered the pre-existing condition. We even recorded the sales rep saying that hospice care would not disqualify us from coverage. Don’t automatically opt for whatever coverage the travel website is offering; do your own research!