yet another travel insurance post

[LoriSan]

I have never purchased insurance (I know, I've gotten lucky). I have never purchased it because I never know what all the different types of coverages was. Is there a "travel insurance for dummies" type of website to explain it in easy terms?

[Gail & Marty sailing away]

You could buy it from Carnival..

[Shmoo here]

I have never purchased insurance (I know, I've gotten lucky). I have never purchased it because I never know what all the different types of coverages was. Is there a "travel insurance for dummies" type of website to explain it in easy terms?

 

There are travel insurance comparison sites. Like http://www.insuremytrip.com/ or https://www.squaremouth.com/ and http://tripinsurancestore.com/.

 

On these you put in the parameters of what you want covered (trip cancellation/delay/interruption; baggage damage/loss/delay; medical costs/medical evacuation) and they will show you policies from several different companies that would fit the bill. They show them side by side for easy comparison.

 

I've found that calling them directly (I've used insure my trip and squaremouth for this) and speaking to the representative on the phone helps a lot with my questions before I make a purchase.

[calliopecruiser]

Any site that sells insurance should have an explanation of the different types, then you can decide which types of coverage you want. Here's a nice summary from the Travel Insurance Association: http://www.ustia.org/faqs.html

 

Personally, I only buy health insurance coverage, accepting that I'll cover the cost of trip cancellation (should it happen) myself.

[trish1c]

The insure my trip website has lots of great info.

[cherylandtk]

I think tripinsurancestore has some very good and clear explanation pages.

http://tripinsurancestore.com/travel-insurance-frequently-asked-questions/

[NMLady]

I would look at some of the policies at insuremytrip.com and then call them with questions. They are brokers so represent a variety of different companies. Their rep will be very patient with your questions.

Edited July 25, 2014 by NMLady

[NMLady]

You could buy it from Carnival..

 

I never recommend buying from a cruise line. I've never found the amount of their medical evacuation coverage to be sufficient. Also, paying it at final payment means it doesn't cover per-existing conditions for cruisers or non cruising immediate family.

[Keith1010]

Start with something like insuremytrip.com

 

See if that answers your questions.

 

Keith

[dorisis]

Be sure to read the small print and ask questions of the agent.

[threetimesalady]

I agree with all the recommendations for using insuremytrip, especially if you want to pick and choose various types of coverages. However, I have found that for a simple, cover-everything policy at a reasonable cost the World Nomad insurance can't be beat. Here's a link http://www.worldnomads.com. It comes highly recommended from past experience by one of my favorite travel writers, Nomadic Matt. Google him for lots of great travel information. I love his blog.