To avoid purchasing the wrong policy, read through the list of benefits to verify that they cover anything that might cause you to cancel your trip. (This type of detail may not be in the brochure. You need to find a dcoument called Description of Coverage, Schedule of Benefits, etc.) For example, a basic policy may not offer coverage for work-related reasons, which is often needed by lawyers, doctors, and business owners. This is where insurance sold by travel suppliers may fall short, and they usually charge more to boot! But with a third party insurance policy, you can purchase an inexpensive upgrade which will provide this additional coverage.
It helps to understand insurance terminology, and many policies provide a glossary. Important definitions to check are “trip delay,” “trip interruption,” “family member,” and “pre-existing condition.” For example, does trip delay coverage start after 3, 5, or 12 hours? Is flight cancellation due to inclement weather covered, or just for mechanical problems? Does the policy cover non-related traveling companions and domestic partners?
No matter how you book your vacation, consult a professional when buying travel insurance. Any travel agent should be happy to help you sort through the various options to select the policy that is right for your family. For more information, contact Suzette Mack at firstname.lastname@example.org.