Q – I am coming to traveltruth because I would love to get the bottom line on insurance. I’m a reader, and I organize every aspect of my trip. I’ve been traveling since my wife and I retired eight years ago and it seems that all my plans fall into place until it comes to the travel insurance. The online advice I see tells me I should price compare on sites like squaremouth.com and insuremytrip.com. I’ve tried that but they seem to be sites that rate insurance companies based largely on pricing. Any direction you might provide on this subject would be appreciated. I want good insurance although I hope I never need it.
A – OK – here is the bottom line:
#1 – Never, ever purchase insurance online. You always want a human advocate for something as personal as insurance coverage.
# 2 = Never purchase the cheapest policy. This is one product you should never buy on the basis of price.
# 3 – Ask your travel consultant why they are recommending a particular insurance company or plan that includes medical insurance.
AND THE MOST IMPORTANT QUESTION:
# 4 – Determine if your consultant has the clout to speak directly with the insurance underwriter in a case where you are turned down for a righteous claim. This is the one most consumers miss and it is a critical part of the travel insurance process.