Travel Insurance Help

[jeleja]

I am looking at Access America for travel insurance. They have 2 plans I was interested in. One is the Navigator Comprehensive, the other is the Travel with Ease Comprehensive. Does anyone have any ex[perience with either of these plans? Or, does anyone have any advice for a company to use for travel insurance? And finally has anyone ever heard of a company called "I Travel Insuranced" ? Any info you could give me would be greatly appreciated.

[Mike M]

jelaja:
There is a website, www.insuremytrip.com ,that compares coverage of many different travel insurance policies. I have not used either of the companies you mention but I have heard of Access America and know that a number of people use it.

Take care,
Mike

I suggest you take advantage of Mike's suggestion to download the comparison of travel insurers. Over the many years we have cruised we have always purchased travel insurance, especially since we are aged senior citizens. I spent most of my employment life working for insurance companies and consider travel insurance to be "buyer beware" insurance. Acess America is not an insurance compny but probably a Managing general Agency,representing an insurance company.

Travel insurance is invariably a "quasi-surplus lines type of insurance, even when underwritten a highly respected and financially sound insurer. The policy coverages are usually not under the jurisfdction of state insurance departments. Never the less it can be valuable coverage, especially if you get the insurance wcith the waiver of pre-existing conditions. If you are young, you may want to inspect what some of the insurers offer such as lower pricing and the older you are the higher the premium. I cannot recall if Access works this way but CSA does or used to. We have relied on Travelex over the year and have had good experience when paying the claim.

When you elect the policy limit used, be sure to include port charges since some cruise lines are not returning the port charges when you cancel.

[jeleja]

Thank you!

[hkolln]

I use travelexinsurance for all my traveling. Good rates and great coverage plus they have great customer service response!

[LisaK]

do some comparrison shopping. The coverage that you really need is trip cancellation/interruption, medical and medical evacuation.

Yes, InsureMyTrip.com is a great site. What I look for is lots of medical and evacuation. That is the most important part, really.