When you have a vacation planned, something going wrong—such as getting injured—can easily spoil your trip. However, you can protect yourself financially and relieve some of the stress by having the right travel insurance. Here’s a guide to choosing a travel protection plan for your needs.
How to Choose a Good Travel Insurance Policy
1. Make Sure It Covers the Basics
A good basic travel insurance policy should cover common emergencies like lost baggage, missed connections, and trip delays. You should also look for a policy that offers emergency medical care because many health insurance plans do not cover costs for services that occur when you are out-of-state or abroad.
2. Choose the Right Optional Coverage
In addition to the basics, you should customize your travel insurance plan based on the location and timing of your vacation. For instance, if you're traveling to Hawaii between June and November, you should consider hurricane insurance. If you'll be renting a car, purchase rental car damage insurance. Is there a chance you'll have to cancel the trip for work? You can protect yourself for that, too.
3. Select a Plan Based on Value, Not Price
Avoid buying a travel insurance policy just because it is the cheapest one you can find. You’ll save in the short-term, but if anything happens, the coverage will likely mean long-term losses. Instead, look for a policy you can afford but that will still provide quality coverage. Check what’s excluded, and consider the breadth of the policy. The more risks you want coverage for, the more you’ll need to spend.
For expert assistance choosing the right travel insurance policy, contact Travel Insured International in Glastonbury, CT. They have served businesses and individuals throughout Hartford County for more than 20 years and can help you protect yourself on your next vacation or business trip. Call them at (800) 243-3174 to schedule a consultation, or visit their website to compare travel protection plans.