Travel Insurance

No doubt you have some type of home or auto insurance.  If you are interested in purchasing Travel Insurance, the first step is to contact your insurance company and ask them about it.  If the offer it, check the rates, coverage and deductible.  After that, do some research and compare to other providers before you make your final decision.

Consider two areas of coverage on the same policy: Travel and Medical

Although most insurers provide some amount of coverage for both travel and medical, some may focus more on travel related coverage for things such as cancellations, delays, lost luggage, etc. while others may focus more on medical related issues.

You will only be purchasing insurance for your actual travel dates

1. Contact your current insurance provider and ask about their Travel Insurance coverage
Typical home and auto insurance may not provide travel insurance so more than likely you will need to consider another third party insurer
2. Research what is covered for various situations such as medical, missed flight, adverse weather conditions, etc.
3. Make note of the coverage amounts, deductible and cost

If you decide to purchase travel insurance, add a 'Not Booked' activity having a title of 'Travel Insurance' to the your home location in the Trip Planner reminding you to book your insurance prior to your departure.  Once booked, update the activity with the policy information, contact numbers, etc. and change the status to 'Booked'.

GeoBlue

We have limited experience with travel insurance and have never needed to file a claim.  Based on our travel needs, we have purchased insurance from GeoBlue, helping to give us piece of mind should something happen during our travels.

We decided on GeoBlue after reading about their coverage, cost and reviews by others filing claims.  On their website it's very easy to get a quote and see what your options are.  They provide levels of travel and medical but are more focused on medical coverage compared to others we have researched.  Based on how we travel, we wanted something more focused on medical than the travel side.  For a two week trip to Europe for two people you can select a $0 deductable with $1MM coverage at a cost of about $100.  (This may vary depending on the age of the travelers)

From their website

GeoBlue provides peace of mind to world travelers and expats living abroad anywhere in the world via an elite network of providers, innovative mobile and online tools, and exceptional customer service. We are proud to set the standard for complete, reliable, convenient protection of your health and safety in the global community.

GeoBlue is a trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross Blue Shield Association; however, you do not have to be currently enrolled in a Blue Cross and/or Blue Shield medical plan to purchase a GeoBlue plan.

https://www.geobluetravelinsurance.com/index.cfm

Research

If your insurance company does not provide travel insurance or you are not happy with their levels of coverage, simply Google 'Travel Insurance' and you will find several links to sites offering insurance.  You will also find sites that have done comparisons on different insurance companies such as at the link below but we recommend selecting each site individually and read about what they offer on their own websites.

Keep in mind that each company will provide different levels of coverage at different prices, so select the one that best suites your travel needs.

https://www.reviews.com/travel-insurance/