Do this when planning your next trip

Whenever you are planning a trip, you should always consider travel insurance. Note that I said “consider.” Read on for more.

Insurance is simply risk transference. You pay a fee – the premium – to transfer the risk from you to the insurance company. If you don’t buy insurance, you’re taking on 100 percent of the risk.

And frankly, that might be OK. It depends on a lot of different factors, which is why I say “consider” trip insurance.

For example, if you’re planning a weekend getaway with $250 plane tickets and reservations at a hotel that allows cancellations up to 4 p.m. the day of arrival, your risk is fairly small. On the other hand, if you’re planning to take a cruise that costs $6,000 for you and your S/O or a three-week jaunt through Europe, it’s a different proposition.

To help travelers find the best insurance for their situation, the website created a guide that makes it easy for all types of travelers to find options to support them throughout their journeys.

To find the best travel insurance, looked at 22 of the nation’s top providers to find the ones that offer primary medical coverage, generous limits, few exclusions, and top-notch customer service.

The guide takes a variety of factors into account including whether you’re traveling solo or with your family, whether you prefer skydiving or the symphony, and whether it’s a short trip or an extended stay. It then recommends the best company for your style of travel. That guide is available here.

My take

Travel insurance can be a lifesaver and should always be part of your travel planning process. However, many credit cards – particularly those associated with travel providers – also offer some form of coverage.

When we took our Alaska cruise in 2016, we used such a card and the coverage it provided was more than adequate for our situation. Even with a visit to the ship’s infirmary when my wife had a virulent reaction to a mosquito bite was largely covered by our health insurance. It would not have covered an evacuation from the ship had that become necessary but, considering our ages and our general good health, we thought that risk was pretty small.

BOTTOM LINE: Do your own homework.

Consider the length and style of your trip. Review the coverages provided by the credit cards you carry. Check with your health insurance provider about what type of coverage will be available while you’re traveling, particularly if you’re leaving the country or taking a cruise, as most cruise ships are foreign-flagged and considered non-U.S. territory. Compare quotes from travel insurance providers.

Then make your decision, get packed, and go!

Visit my main page at for more news, reviews, and personal observations on the world of upmarket travel.

Photo by Carl Dombek
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