What to Look for in a Travel Insurance Plan

Depending on your needs, here are some things to look for:


Trip Investment
Trip cancellation/interruption what are the covered reasons? coverage for pre-existing conditions? does exclusion apply to non-traveling family members? Some do and some don't. Missed connection hours of delay? maximum limit of coverage? Travel delay hours of delay? maximum limit of coverage limit per person per day what are the covered reasons? does it include the hospitalization of a traveling family member? Cancel for any reason(CFAR) Cancel for work reasons
Personal coverages
Medical expense amount of coverage - more is usually better but depends on how much coverage you already have. does a deductible apply? is coverage restricted only to "emergency" coverage? are "pre-existing medical conditions" excluded from coverage? primary or secondary coverage? Emergency medical evacuation amount of coverage is it adequate for your destination? evacuation to hospital of choice? are pre-existing medical conditions excluded from coverage? Some plans specifically exempt this coverage from the pre-existing conditions exclusion. Flight accidental death coverage
Property
Baggage and personal effects loss or damage maximum limit of coverage limits on single items or pairs? deductible? requirements for sales receipts Baggage delay maximum amount of coverage hours of delay Rental car collision coverage
Pitfalls and Fine Print
Pitfalls common misunderstanding Fine Print