Check out these sites for objective travel insurance information

Elaine Karlson is planning a vacation to Cooperstown, N.Y., to visit the National Baseball Hall of Fame and to watch her grandson compete in a baseball game. And she’s worried.

First, there’s the price difference between the refundable airline tickets and the nonrefundable ones — the refundable ones are three times as expensive. There’s also the question of what to do if she and her husband have to cancel.

Instead of paying extra for the less restricted ticket, she’s considering travel insurance.

“But where do you buy travel insurance?” she asks.

Good question. You can buy a policy directly through an insurance company or a travel agent. I’ve discussed both of those options in previous stories. But there’s a third and more popular option: consulting a third-party website that allows you to compare and buy a policy.

There are benefits to this choice:

  • You can compare multiple policies across several companies, finding the coverage that you need.
  • You can find the best price and value since the sites offer policies from several insurance companies.
  • If something goes wrong, you have an advocate — that third party — to help you with a claim or an appeal.

“It’s important for shoppers to compare policy costs and coverage before they buy,” says Jennifer Fitzgerald, CEO of Policygenius, an online insurance marketplace that works with Squaremouth.com, one of the sites featured in the story. More on them in a minute.

So where to shop?

Insuremytrip.com
One of the most established travel insurance sites, Insuremytrip.com offers more than 50,000 customer reviews to guide the purchasing process. The site also allows you to compare benefits, get quotes and buy policies from a single source. As a bonus, the company’s “Anytime Advocates” can help with your claim and say they’ve put $1 million in coverage “back in travelers’ pockets,” presumably resulting from a wrongful denial. Insuremytrip.com maintains a squeaky-clean image with customers. It also offers a low-price guarantee. I’ve received very few complaints about policies purchased through the company, and they’re usually resolved quickly and in the traveler’s favor.

Quotewright.com
Another mainstay online, Quotewright.com sets itself apart by selling quality, not quantity — “offering only the plans and companies that meet our exacting standards,” it says. Like Insuremytrip.com, it offers a warranty that “you won’t find a lower price for any plan we quote.” John Cook, Quotewright.com’s president, is a leading authority on travel insurance and often contacts me after I publish a story on the industry to offer additional insights. When it comes to travel insurance experts, Quotewright.com is the real deal.

Squaremouth.com
Squaremouth may be the big-box store for travel insurance, currently with an impressive 108 travel insurance policies from 24 providers and 50,620 reviews. Among the reasons to consider Squaremouth.com: A more powerful search engine for finding the best policy, a company philosophy to “downsell,” or find you the least expensive policy, a promise to sell insurance from financially stable companies, and a “zero complaint guarantee.” I can speak to that last point. Whenever I receive a grievance that involves a policy bought through Squaremouth, it’s fixed quickly. (Disclosure: Squaremouth is an underwriter of my consumer advocacy site.)

Travelinsurance.com
TravelInsurance.com is another useful source for helping you compare plans. “Our comparison engine allows you to easily decipher plan benefits and coverage while choosing the right travel insurance policy for your trip,” it says. Its claim to fame is speed. You can quote, compare and buy in just a few minutes and receive your policy confirmation and documents via email instantly after purchase, it promises. Like the others, the company stands behind the policies it sells and complaints are rare. “TravelInsurance.com was founded by consumer-focused internet executives and not by insurance executives,” says co-founder Stan Sandberg, “Everything we do starts with the question, ‘Is this good for the consumer?” and not, ‘Is this good for the insurance company?'”

TripInsurance.com
The story behind TripInsurance.com is inspiring, at least to this consumer advocate. Dan Skilken, the site’s founder, created TripInsurance.com when he ran into his own frustrations trying to navigate the insurance options for his travels. The result: A site that offers lower prices on the same coverage as the brand-name travel insurance companies and ease of comparison. When you shop for a policy, it divides the options into “good,” “better” and “best” policies, so you can easily figure out which one is right for you. And like the others, it has 24/7 support and a promise to stand behind its policies.

Where should you shop for your policy? I recommend bookmarking all of these sites and spending a few minutes comparison shopping between them. But don’t forget your travel agent or your travel insurance company’s direct website. With these sites, you should be able to find the best travel insurance policy for your needs, whether you’re going on an around-the-world cruise or to a baseball game in upstate New York.

Underwritten by

Underwritten by AirHelp

AirHelp is the world’s leading flight delays compensation company, helping passengers apply for compensation following a delayed or canceled flight or when boarding has been denied. It is AirHelp’s mission to fight for passenger rights by holding airlines accountable for flights disruptions that are out of passengers’ control. AirHelp has already helped 5 million people, taking the stress out of applying for compensation and making it as hassle-free as possible for travelers around the world.

Underwritten by Allianz Travel Insurance

The Allianz Travel Insurance company has built its reputation on partnering with agents all around the world to provide comprehensive travel insurance for their clients. Contact Allianz Travel Insurance for a comprehensive list of coverage.

Underwritten by Chubb

Chubb is the world’s largest publicly traded property and casualty insurance company, and recognized as the premier provider of insurance for successful individuals and families in the U.S. and selected international markets, offering coverage for high-value automobile, homeowners, recreational marine/aviation, valuables and umbrella liability coverage. As an underwriting company, Chubb assesses, assumes and manages risk with insight and discipline, and combines the precision of craftsmanship with decades of experience to conceive, craft and deliver the best insurance coverage and services to individuals, families and business of all size.

Underwritten by Enterprise

A family-owned, world-class portfolio of brands. A global network that spans across more than 85 countries. Some 97,000 dedicated team members sharing common values. And more than 1.9 million vehicles taking our customers wherever they need to go.

Underwritten by Fareportal

Fareportal’s portfolio of brands, which include  CheapOair and  OneTravel, are dedicated to helping customers enjoy their trip. Whether you want to call, click, or use one of our travel apps, one thing is clear: We make it easy to take it easy.

Underwritten by Insuremyrentalcar.com

An independent provider of low cost CDW/LDW insurance for use with rental cars. Up to $100,000 cover with no deductible. Policies available on a per day, per trip or per year basis. Also works with overseas rentals. Try  Insuremyrentalcar.comnow.

Underwritten by InsureMyTrip

It’s simple. InsureMyTrip finds you the right travel insurance plan, every time. InsureMyTrip is the authority on travel insurance. Rated A+ for travel insurance by the Better Business Bureau. All travelers that purchase a policy through  InsureMyTrip have access to Anytime Advocates® for claims assistance.

Underwritten by Mediacom Communications

The nation’s fifth-largest cable operator, serving the smaller cities and towns in the Midwest and Southern regions of the United States. We are a high-performance broadband, entertainment, and communications company that brings the power of modern technology and quality customer experience to life inside the connected home by combining ultra-fast gigabit speeds with personalized local and over-the-top entertainment choices that fit your lifestyle. Details at  Mediacomcable.com.

Underwritten by SCOTTeVEST

An innovative apparel brand for people who want easy access to everything they need. For those who live for every second, SCOTTeVEST lets you maximize your life. Ditch the carry-on bag and pick up a  SCOTTeVEST.

Underwritten by Virtuoso

The leading global network for luxury and experiential travel. This invitation-only organization comprises over 1,000 travel agency locations with 17,500 advisors in over 45 countries, and holds preferred relationships with 1,700 of the world’s finest travel companies. Virtuoso advisors collaborate with their clients to create personalized itineraries featuring exclusive perks, while also providing advice, access, advocacy, and accountability. For more information, visit  Virtuoso.com.

Underwritten by VisitorsCoverage

As a company that is constantly striving to simplify travel insurance, VisitorsCoverage, is on a mission to help travelers make the better decisions about purchasing travel insurance, quickly. VisitorsCoverage has helped millions of travelers globally to buy the suitable travel insurance and explore the world with confidence. Get insurance for your next trip at  VisitorsCoverage. Lowest Price Guaranteed.

Underwritten by MedjetAssist

Medjet is the premier global air-medical transport, travel security and crisis response membership program for travelers. With a MedjetAssist membership, if you become hospitalized more than 150 miles from home, we will get you from that unfamiliar hospital all the way home to the hospital you trust. All you ever pay is your membership fee. MedjetHorizon members add 24/7 personal security and crisis response benefits. Elliott.org readers enjoy discounted rates. Travel safer with  MedjetAssist.

Underwritten by Southwest Airlines

The mission of Southwest Airlines is dedication to the highest quality of Customer Service delivered with a sense of warmth, friendliness, individual pride, and Company Spirit. We are committed to provide our Employees a stable work environment with equal opportunity for learning and personal growth.

Underwritten by Sungard Availability Services

Leveraging more than 35 years of experience, Sungard AS designs, builds and runs critical IT services that help businesses manage complex IT, adapt quickly and build resiliency and availability. A leading provider of critical production and recovery services, Sungard AS partners with customers across the globe, delivering resilient IT systems, infrastructure and recovery services tailored to achieving desired business outcomes.

Underwritten by TravelInsurance.com

TravelInsurance.com makes it fast and easy to compare and buy travel insurance online from top rated providers. Our unbiased comparison engine allows travelers to read reviews, compare pricing and benefits and buy the right policy with a price guarantee, every time. Compare and buy travel insurance now at  TravelInsurance.com.

Underwritten by Squaremouth

Squaremouth helps travelers easily and instantly compare travel insurance policies from all major providers. Only companies that meet the strict requirements of Squaremouth’s Zero Complaint Guarantee are available on the website. Compare policies on  Squaremouth.com to save over 70 percent on your next purchase.

Underwritten by Travel Leaders Group

Travel Leaders Group is transforming travel through its progressive approach toward each unique travel experience. Travel Leaders Group assists millions of travelers through its leisure, business and network travel operations under a variety of diversified divisions and brands including All Aboard Travel, Andrew Harper Travel, Colletts Travel, Corporate Travel Services, CruCon Cruise Outlet, Cruise Specialists, Nexion, Protravel International, SinglesCruise.com, Travel Leaders Corporate, Travel Leaders Network and Tzell Travel Group, and its merger with ALTOUR. With more than 7,000 agency locations and 52,000 travel advisors, Travel Leaders Group ranks as one of the industry’s largest retail travel agency companies.

Underwritten by Travelers United

If you’ve been mistreated by the airlines, Travelers United is your voice in Washington. Join the #1 travel advocacy organization working with Congress to improve and protect travelers. Plus, get $400 of annual benefits you can use for travel for only $29/year. Add your voice to ours. Make travel better.  Join today.

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