Having just purchased trip insurance for our January cruise, I recall a discussion we once had on the subject. We always use a website that compares coverage & cost for a given trip. It’s called Insure My Trip, which you can visit by clicking on or copying & pasting the following link into your browser.
Three key things we always look for as follows:
- A.M. Best rating of A+ or A
- Medical Evacuation of $500,000 to $1,000,000
- Cost
When you enter the initial trip cost, primary destination, dates, etc. into the “See Plans & Prices” box at above link, you will be given a huge list of options. I start by checking off about 6 or 7 plans then click “Compare”. After noting the best 1 or 2 of this group, I may either decide to look at more or to end my search & buy.
Using the above process, I have used about 3 different companies over the years with the last 3 trips (including the one purchased today) being from TruTravel which has a rating of A+.
We never buy trip insurance from the cruise line or travel agent as we’ve found their prices uncompetitive with what we’ve paid using the above process.
I hope you find this information helpful.
