It can be challenging to find the perfect travel insurance plan for you and your loved ones. It can be even harder in a crowded, online marketplace where the information you find may or may not be accurate. Misinformation is easy to find, and it can be difficult to differentiate from genuine, expert advice.
Unfortunately, there are many unscrupulous or undereducated individuals on the internet that spread faulty information. Whether they're motivated by malice or have a lack of understanding, the result is the same confusion.
At VisitorsCoverage, we strive to bring you accurate and helpful information. This is why we have a team of licensed travel insurance experts on call to help travelers pick the ideal insurance policy to meet their needs.
If you're finding the travel insurance process confusing, we want to help you learn more about how to choose a great plan and the best resources.
Blogs: Not as good of a resource as you might think
As with any source of information, there are pros and cons to blogs. The good thing about blogs is that they are a way for anyone to voice their opinion regarding any topic. But that is also their weak point. In many cases, it can be impossible to tell whether the blog author has expertise in the topic about which they are writing.
This can be particularly problematic in the realm of insurance. Travel insurance is a complex topic with serious repercussions if a customer chooses the wrong insurance policy. A policy that works for one person may be unhelpful to another.
Blogs written by individuals can be extremely misleading as a result. Even if a blogger has first-hand experience with a travel insurance policy, that information may not apply to a different person with different needs or who is traveling from a different country. If the writer does not have a deep understanding of travel insurance, they may unintentionally give out advice that could mislead others.
How a Licensed Travel Insurance Expert Can Help You
Unlike a blogger who may have limited knowledge on the subject matter, licensed travel insurance experts have a deep understanding of the travel insurance market and can help you to find the perfect insurance plan for you and your needs.
These professionals are experienced and certified to help you identify policy differences and choose the plan most appropriate to your specific needs. These experts also have the experience of helping thousands of customers find their perfect travel insurance plan. As a result, they know the frequently asked questions and common concerns of travelers.
Licensed travel insurance experts, like those at VisitorsCoverage, have the training and the expertise to guide through the complexities of choosing and purchasing a plan. With their wide understanding of the travel insurance space, these industry professionals are a great resource to utilize while you make decisions about travel.
Compare Like with Like
One of the most important things to consider when choosing a travel medical insurance plan is whether it is a limited or comprehensive plan . While limited plans are generally less expensive, they also offer less coverage and usually have higher deductible amounts than comprehensive plans . After the COVID-19 pandemic, it is more important than ever to get reliable advice on what will be covered and how best to protect yourself and your loved ones.
U.S. travel insurance prices are regulated by the Department of Insurance, thus the same plan will cost the same amount of money no matter if you purchase the plan directly from the provider or from a third-party seller. What can change the price, however, is the amount of coverage. While limited plans may seem attractive financially, they also put a cap on how much will be covered in the event of an emergency. If you need to be hospitalized or evacuated, comprehensive plans can be ultimately more cost-effective.
If you think you find a less expensive listing of the same plan somewhere else, be sure to carefully check the coverage limits. Otherwise, you may accidentally purchase a sub-par plan because you're looking for a deal. Ultimately, the health and safety of you and your traveling companions is the most important thing to consider.
How to Find a Licensed Travel Insurance Expert
Licensed travel insurance experts are a great resource to help you find the right plan for your needs and budget. But how can you go about finding one?
VisitorsCoverage has multiple licensed travel insurance experts on staff. You can call us at 1-866-384-9104 during business hours, or reach out to us through WhatsApp or email. We will do our best to help you through the process of choosing, purchasing and using your travel insurance plan.
If you look elsewhere for advice, be wary about contacting people with ties to specific plans. If someone is working for a certain insurance company or plan, they may not tell you about other plans from outer providers that could better suit your needs.
Whatever travel plan you choose, always be sure to read the fine print. Check that this plan will cover people from your departure country and that it applies to your destination. If you have preexisting conditions, check what will be covered and what won't. If you see phrases like "acute onset of pre-existing conditions" or "optional sports rider" , be sure that you know what that means before you purchase your plan. Also, if you are taking a specific type of trip, such as a cruise or safari, there are travel insurance plans designed specifically for you.