Travel insurance provides financial compensation for canceled travel plans, emergency medical assistance, lost luggage and trip delay reimbursements. Additional services that are available include emergency medical evacuation, translations services, prescription medicine replacements and rental car insurance. If you experience significant delays on your trip, you may be able to recoup some food and hotel expenses that result from uncontrollable delays.
We compared several trip insurance plans that provide U.S. and international travel benefits. Some offer packages specifically created for cruises and high adventure vacations. Many insurances offer individual trip plans as well as yearly, group, family and business plans. While most offer group and family plans, some plans cover children without adding to the cost of the premium. If you travel often for business, you may want to look into business or yearly plans.
While your travel agent may attempt to sell you trip insurance, we recommend that you shop around, since your agent may only offer plans from one or two companies (which they may receive commission incentives from). It is also recommended that you avoid purchasing insurance from the same company that owns the cruise line or resort location you plan to use or stay at in the event the company becomes financially compromised.
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