Effortless
I just went online to search for travel insurance and Squaremouth came up with the name of a company I used in the past. They compared several different companies and gave the prices. I could easily choose.
Sally from PA
01/16/2024
Easy to Use Site
"I'm able to easily and quickly compare multiple plans and select the one that meets my needs the best."
Adam from CA
01/15/2024
Positive Experience
"Very easy to read and to compare benefits from various companies. Easy to purchase. Thank you!"
Pamela from FL
01/12/2024
Travel to Mexico
"I haven't left for my trip yet but using Squaremouth was very easy. I loved seeing all the options out there!"
Gabriela from NC
01/11/2024
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What Type of Insurance Do I Need?
Plans can range in terms of cost and coverage, so it’s important to identify your specific needs before comparing options. Discover the different types of travel insurance policies you should consider for your upcoming trip.
What type of coverage is right for you?
How to Buy Travel Insurance on Squaremouth
If you’re new to Squaremouth, this quick guide can help you identify your needs, start your first quote, and compare your results. If you need additional help, our customer service team is just a phone call away.
Learn the Squaremouth basics
Travel Insurance FAQs
Here are some of the most frequently asked questions from travelers like you.
Is Travel Insurance Mandatory for International Travel?
While rare, some destinations or organized tours may require proof of travel insurance that lasts for the duration of your trip. Even if insurance is not mandatory, travelers should consider buying insurance if they want to protect themselves financially from unforeseen events that may impact their travel plans. Many Americans and U.S. residents purchase travel insurance when planning international travel or high cost trips.
What Does Travel Insurance Cover?
Comprehensive travel insurance is designed to cover common disruptions that may impact a trip. Most policies will provide coverage for trip cancellations, medical emergencies, travel delays, missed connections, accidental death and dismemberment, and lost luggage. Travelers that experience financial loss as a result of a covered disruption may be eligible for reimbursem*nt through their insurance policy.
How Much Does Travel Insurance Cost?
The cost of a policy depends on four primary factors: trip cost, traveler age, trip length, and coverage amounts. In general, a comprehensive policy with Trip Cancellation typically costs between 5% and 10% of the total trip cost. However, a policy without an insured trip cost will be significantly less expensive.
What Should I Look for When Comparing Travel Insurance?
There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:
- Benefits: Travel insurance benefits outline what situations are covered under each plan. Make sure each plan you’re considering includes coverage for what’s important to you.
- Coverage Limits: Plans will set limits to how much reimbursem*nt you’re eligible for, and can vary significantly. Higher coverage limits can result in less out of pocket expenses in the event of a claim.
- Exclusions: Travel insurance companies will list specific activities, equipment, and scenarios that are not covered by their plans in the event of a claim.
- Premium: Higher priced insurance products do not always equate to better coverage. We recommend choosing the most affordable plan that offers the travel protection you need.
- Provider Reputation: All providers on Squaremouth have been carefully vetted and offer 24-Hour Assistance services. Customers are also encouraged to share honest reviews about their experience before, during, and after their trips.
Does Travel Medical Insurance Cover International Trips?
In many cases, primary health care plans, such as Medicare or a policy you have through your employer, are not accepted overseas. If you’re not covered, you may be responsible for unforeseen medical expenses if you get sick or injured while traveling.
To avoid out-of-pocket expenses if you need medical care in the event of an emergency, many travelers opt for travel medical insurance. These plans can cover the cost of treating unexpected medical conditions incurred during your international trip.
Are Pre-Existing Conditions Covered by Travel Insurance?
Coverage for pre-existing conditions varies among travel insurance policies. While many plans won’t offer coverage for existing injuries or illnesses, some plans may offer Pre-Existing Condition waivers if certain conditions are met, such as purchasing the policy within a specified time frame from booking the trip.
Will My Policy Cover Trip Cancellations?
Yes, many comprehensive travel insurance policies cover trip cancellations under specified circ*mstances, such as sudden illness, injury, or death of the insured or a family member, natural disasters, or unexpected work obligations. Most policies that include the Trip Cancellation benefit offer 100% reimbursem*nt for all prepaid, non-refundable trip costs.
What’s the Difference Between Single-Trip and Annual Travel Insurance?
Single-trip travel insurance covers a specific journey for a set duration, offering protection for that trip only. This is the most popular type of travel insurance among Squaremouth users. In contrast, Annual Travel Insurance provides coverage for multiple trips within a year. Annual plans can be cost-effective for frequent travelers and less of a hassle than purchasing multiple single-trip plans.
What's the Process for Filing a Travel Insurance Claim?
To file a trip insurance claim, follow these steps:
- Contact your insurer: Notify them as soon as possible about the incident.
- Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
- Complete the claim form: Fill out the insurer's claim form with accurate details.
- Submit supporting documents: Attach all required documents to substantiate your claim.
- Keep records: Maintain copies of all submissions and correspondence for your records.
- Follow up: Stay in touch with the insurer for updates on your claim status.
- Be honest and thorough: Provide clear and truthful information to expedite the process.
Remember, the process may vary by insurer, so review your policy or contact your insurance provider for specific instructions. Learn more about what can be covered and how to file a travel insurance claim.
Where Can I Buy Travel Insurance?
Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Travel insurance prices are regulated by law, meaning the price of one specific policy must be the same regardless of where it is sold, whether it’s purchased from Squaremouth or directly from the provider.
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