How do I choose the right travel insurance policy?

Compare policies based on your specific needs: destination, trip cost, health status, planned activities, and budget. Read policy wording carefully, especially exclusions.

  • Consider: where you're going, trip cost, your age, health status, and planned activities 

  • Medical coverage: ensure adequate limits for your destination (higher for US, remote areas)

  • Compare quotes from multiple licensed providers 

  • Look for: pre-existing condition waiver (if needed), adventure sports coverage (if planned), high medical evacuation limits 

  • Read exclusions carefully, what's NOT covered is as important as what is 

  • Consider Cancel for Any Reason (CFAR) if you need maximum flexibility 

  • Check your existing coverage (credit cards, health insurance) to avoid overlap 

You may also like: Can I get compensation for lost luggage?

Official resource: Insurance Information Institute

Traveling soon? See our Travel Essentials page.

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