When you’re thinking about buying trip insurance for your next trip, it’s important to research your options to ensure that you get the best coverage. There are many ways to do this. You can contact a travel insurance company directly, you can use the quote and comparison tools on travel insurance marketplaces like VisitorsCoverage, or you can check out what former or current policyholders have to say.
Customer reviews and plan ratings are a good way to gain insight into how well a policy might suit your needs. Before you start googling customer testimonials, let’s take a look at what you need to know about trip insurance reviews and ratings.
Why Trip Insurance Customer Reviews Are Important
When it comes to purchasing trip insurance, ratings and reviews can offer guidance in choosing the best plan for your individual needs. You can learn from other people’s experiences with the policy or insurance company that you’re considering. Learning from former or current policyholders gives you a good indication of what you can expect from a particular plan or insurance company.
Why AM Best Insurance Company Ratings Are Crucial
AM Best is an independent agency that evaluates the quality of trip and travel medical insurance plans and assigns a letter grade like A, A+, B, B+, C, etc. that reflects the financial status of the company. AM Best ratings are regarded as the industry standard for determining the financial strength of an insurance company. Any plan that is graded above B is deemed to be in good financial standing.
When To Be Wary of Trip Insurance Ratings & Reviews
When you’re scrolling through customer reviews on trip insurance, there are a few things to keep in mind. Namely, trip insurance isn’t one size fits all. This means that what worked well for one person may not work for the next. The reverse is also true, what didn’t work for one person may actually work for another.
Some companies may pay people for reviews. If a company’s reviews are all over-the-top with praise, that might be an indication that you shouldn’t necessarily trust them. Trustpilot and Google discourage any sort of paid or promotional reviews and you can be comfortable with their authenticity most of the time. Though there’s no real way to tell if a reviewer was paid for the review or not, trust your instincts; if it sounds like false praise, it might be just that.
Tips for Getting the Most From Your Trip Insurance Review Search
Here are some ways that you can make the most of your research when looking into trip insurance ratings and reviews online.
Make a List of Your Specific Trip Insurance Needs
Before you even hop online, take an inventory of your specific trip needs. Consider factors like age of the travelers in your party, activities you’ll be engaging in, where you’re going, and how long you’ll be there. Once you’ve got this information written down, you’ll have a clear understanding of your trip insurance must-haves. That way, when you do start searching and scrolling you’ll be able to keep a sharper focus on those reviews and ratings that pertain to the things you care most about.
Pay Attention to Critical Reviews
You’ll learn a lot more from a critical review than you would from a rave. For example, if you’re worried about having to cancel your trip, and you find a reviewer upset that their trip insurance didn’t cover the cancellation, you can think for a moment about what you need to do to ensure the same thing doesn’t happen to you. You might review the policy documents of the plan you’re thinking about and realize that you can’t cancel your trip for a non-covered reason without adding Cancel For Any Reason to your trip insurance plan.
Find Reviews That List Both Pros and Cons
There are exceedingly glowing reviews and there are scathing reviews, and then there are those reviews in between. That’s where you want to focus. To some extent both scathing and exceedingly glowing reviews should be taken with a grain of salt. Consider these outliers as you search for the truth behind trip insurance reviews. Focus, instead, on those reviews that lay out the pros and cons of the plan in question.
Find Several Plans That May Suit Your Needs
Reviews and ratings can help you narrow down your choices to the top two or three. Once you have a list of top contenders, click over to a trip insurance marketplace like VisitorsCoverage, where you can use compare and quote tools to assess the benefits side by side.
VisitorsCoverage Ratings & Reviews
With all this talk about ratings and reviews, you might be wondering about VisitorsCoverage’s reputation. We’re proud to report that between TrustPilot and Google reviews, we average a star rating of 4.8. We use our reviews and ratings as indicators of what we’re doing well and guidelines for how we can improve.
When you scan through our customer ratings and reviews, one thing you’ll notice is the Customer Success Team’s efforts to help improve a customer’s experience. Maybe, they leave a less favorable review focusing on how they haven’t heard back from the insurance company about a claim they filed. One of our agents will then reach out to the insurance company and get in touch with the customer who left the review.
You can learn a lot from customer ratings and reviews, but when it comes time to actually buy a policy, you may still have questions or concerns. Our Customer Success Team of licensed travel insurance experts is on hand to help. Contact us today!
