Top Tips for Buying Travel Insurance

Skip Ad
iStock

Will the extra cost mean a refund if you encounter swine flu or a hurricane? That depends….

Consider Evacuation Insurance

5 of 12

Some people don’t ever buy travel insurance, but do buy evacuation coverage. That way, they can get a nice flight to their home hospital rather than having their torn rotator cuff repaired overseas where the injury happened. Traditional insurance plans may include evacuation coverage as an add-on benefit, but before you buy, read the fine print about the terms of evacuation. “You might be evacuated to what the insurer deems to be the nearest appropriate facility,” says TravelGuard’s McGinnity, “or you could be evacuated to your choice of hospitals, or home.” Some companies, such as MedJet, offer ongoing membership to cover you all the time and get you to your choice of hospital—even if that means flying you halfway around the world. MedJet memberships for travel within the continental U.S. start at $175 annually, while the global plan starts at $250; you can also buy single-trip plans. American Express’s Global Travel Shield offers an annual plan that starts at $59, which gets you to the nearest appropriate facility and includes a round-trip ticket for a loved one to come to your bedside.

Top Tips for Buying Travel Insurance

Consider Evacuation Insurance

Some people don’t ever buy travel insurance, but do buy evacuation coverage. That way, they can get a nice flight to their home hospital rather than having their torn rotator cuff repaired overseas where the injury happened. Traditional insurance plans may include evacuation coverage as an add-on benefit, but before you buy, read the fine print about the terms of evacuation. “You might be evacuated to what the insurer deems to be the nearest appropriate facility,” says TravelGuard’s McGinnity, “or you could be evacuated to your choice of hospitals, or home.” Some companies, such as MedJet, offer ongoing membership to cover you all the time and get you to your choice of hospital—even if that means flying you halfway around the world. MedJet memberships for travel within the continental U.S. start at $175 annually, while the global plan starts at $250; you can also buy single-trip plans. American Express’s Global Travel Shield offers an annual plan that starts at $59, which gets you to the nearest appropriate facility and includes a round-trip ticket for a loved one to come to your bedside.

iStock
Sponsored Content
More from T+L
Advertisement