How to Compare Travel Insurance Plans: A Checklist

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Two plans can look similar and still cover very different things. Use this checklist to compare them side by side.

1. Match the plan to your trip

Destination, trip length and trip cost
Who is traveling and their ages
Activities you plan to do

2. Compare coverage limits

Emergency medical limit and whether it includes emergency transport
Trip cancellation and interruption limits
Baggage and travel delay limits

3. Read the exclusions

Pre-existing conditions and how the policy defines them
Activities that are limited or excluded
Events that are not covered

4. Check costs and rules

Deductible or co-payment
Price for your age and trip length
Deadlines to buy, for example within a set time after your first trip payment, if the plan has that rule

5. Look at the claims process

How to file a claim and what documents you need
Time limits for filing
Customer support options during your trip

Before you pay

Download the full policy document and read it. If something is unclear, ask the insurer or a licensed professional.