Does anyone have a favorite company for travel insurance? Any tips would be appreciated. Also, is airfare covered by travel insurance. If I book the air later but have already bought the insurance....how does that work?
My preferernce has been CSA Insurance, but this year they raised their rates. I just used Travel Guard, it was fine, but I had no claims. You can alter the dates for your travel insurance to cover your air dates even if you get the air at a later date. with the possibility of airline strikes on the horizon, the insurance companies are covering themselves by not covering flights or insurance booked after the unions have voted for strike actions.
I actually ended booking with Travel Guard because they cover the loss of a job as long as you have been with the same company for 5 years. CSA does not.
And you just never know with today's ecomony.
I like Travel Guard as well. They will cover your air without problem. I didn't even have to tell them the flights I was going to take since I hadn't booked them yet, just the dates I was going to travel. Since we booked our insurance within 14 days of booking our cruise, all pre existing conditions were covered. That's important for me since I have diabetes. My friend that I will be traveling with in the fall used Travel Guard and had a medical claim. She said it was paid promptly.
Some agency's have an agreement with Insurance company's that when you make your final payment the Pre-existing Conditions are still covered. This is good if you pay for insurance when making final payment. Ask your agent if they have such an agreement. It could save you some upfront money.
We use Travel Guard at the agency where I work and have never had a problem with them. One thing that no one has mentioned - they cover "supplier default" which is very important. Just look at the tour companies and cruise lines that have gone belly up overnight. If you take the cruise line insurance - tough beans! Another smart move is to pay with credit card for additional protection. May take a while to get anything back, but at least you have a chance of getting something.