Are there any non-obvious differentiators in travel-insurance policies?
My family in the US will be taking a vacation to western Europe later this year, and I'm looking for travel insurance. I found this comparison tool and used it to get quotes, and I got about 50 results that are all pretty similar.
Beyond differences in the actual listed coverages (cancellation reasons, limits on medical costs, etc), what should I be looking for in policies or vendors that would distinguish one from another? Is travel insurance a commodity industry (just pick one)? Are some companies more reputable than others (and how should I determine that)? Is there particular fine print I should be wary of that some policies will include and others not? I've never bought individual travel insurance before, only gotten it as part of a tour package.
We plan to do "usual tourist things" (no extreme sports and the like) and will not be driving.
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Can I cancel my travel insurance policy and get a refund?
Yes, you can. All travel insurance plans come with a free review period, which is a number of days you can use to review the policy, understand the coverages, and determine whether the plan will meet your needs. You cannot return your travel insurance policy for a refund if you've already started your trip.Who is the best travel insurance company?
Best Travel Insurance Companies of 2022- Best Overall: Travelex.
- Runner-Up, Best Overall: Allianz Travel Insurance.
- Best Value: InsureMyTrip.
- Most Comprehensive Coverage: World Nomads.
- Best for Seniors: HTH Travel Insurance.
- Best for Cruises: Nationwide.
- Best for Medical Coverage: GeoBlue.
What is stable pre-existing conditions?
Generally, a pre-existing medical condition is considered STABLE, if there has been no change in medication (increase, decrease, stopping, new medications), no new symptoms, no new treatment or tests, new medical consultation or referral to a specialist, no hospitalization, no test results showing deterioration, no new ...Are there things that travel insurance does not cover?
Losses due to venereal disease, AIDS virus, pregnancy (except complications of pregnancy), or abortion. Losses due to mental, psychological, or nervous disorders including anxiety, depression, neurosis or psychosis. Losses due to nuclear radiation or radioactive contamination.Travel Insurance And Trip Protection Explained - Should You Buy It?
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Images: Andrea Piacquadio, Sharad Bhat, Mikhail Nilov, Andrea Piacquadio