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suggestions on Travel insurance family of 4?

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suggestions on Travel insurance family of 4?

Searching site for suggestions. Family of 4. Two kids under 18. Half of trip is a tour. The rest on our own. Husband has pre existing condition. We know the cost of the tour but not the rest since we have not booked hotels yet. Suggestions or others that have liked their travel insurance? Thank you for your help.

Chicago, Illinois
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1. Re: suggestions on Travel insurance family of 4?

unless you just booked the travel this past week you are probably too late to get insurance -- the pre-existing time frame is usually 180 days unless you book the insurance right when you make the initial booking for the trip.

Fairbanks, Alaska
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2. Re: suggestions on Travel insurance family of 4?

Compare rates on tripinsurancestore.com. Different insurers have different time periods for waiving pre-existing coverage, but they are short, so purchase ASAP. Guess high on the other expenses, but remember you only need insurance for the nonrefundable costs. Some insurers don't charge for the kids' policies, which will help.

New Hampshire
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for Paris
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3. Re: suggestions on Travel insurance family of 4?

Here's a good place to study travel insurance

http://www.travelinsurancereview.net/

Pre-existing conditions are almost always covered only if the policy is purchased within a number of days of your First Payment (not the booking date), whether it's a deposit to a tour company, airline tickets, etc.

Sometimes the tour companies have the same (or better) coverage for less because they have broad experience ratings and receive discounts.

When selecting a policy, you have to review the actual Certificate of coverage and not rely on your presumptions or the overview as you need to understand the restrictions, exclusions, requirements for submitting a claim. (Documentation must be acquired during your travels as it's often impossible to acquire once you've returned home.)

Regarding medical coverage, find out what your policy at home covers while you're abroad. When choosing a travel policy, learn the difference between primary and secondary coverage and whether it matters in your situation.

Note that travel insurance reimburses you only for prepaid expenses and only for covered reasons.

Premiums are based on ages and total trip cost. There's no point in "guessing high". If you decide later to prepurchase additional arrangements (hotels, train tickets, etc.), you can easily amend the policy for a higher amount and pay the additional premium then.

I've used Access America and Travel Guard, and currently prefer Travelex because the documentation is very clear (with no difficult to understand or ambiguous verbage) and the time I had occasion to submit a claim, they were amazing.

California
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for Grasse
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4. Re: suggestions on Travel insurance family of 4?

I use the insuremytrip.com web site, which lists quite a few possibilities depending on the type of coverage you need. Usually you have to buy the insurance after you make the first payment for a trip in order to have pre-existing conditions covered.

pacific northwest
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628 posts
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5. Re: suggestions on Travel insurance family of 4?

Just bought mine from insuremytrip.com you can call them also and they will help you sort out your options, very helpful.

6. Re: suggestions on Travel insurance family of 4?

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