After you have decided what risks you want to insure against for your trip and you have identified travel insurance plans that will provide the necessary coverages – it’s time to gather important details about your trip. Regardless of what travel insurance coverages you want, most plans will calculate your rate based on the following information:
- Departure and return dates.
- First trip payment date (if you are still planning your trip and have not yet made a payment, you can use yesterday’s date to estimate).
- Trip cost (As above, you can estimate your costs for initial comparison purposes. However, you will need real numbers when it comes time to purchase your travel insurance coverage).
- Country and state of residence.
- The current age of each traveler (at the time of purchasing the travel insurance – not when the when the trip will take place).
After purchasing a travel insurance plan, you are granted a 14-day money-back guarantee period which allows you to understand the ins and outs of your travel insurance coverages, including claim filing procedures, exclusions, coverage duration and extent. If you are not satisfied with the travel insurance plan, you may cancel it and be entitled to a receive a full refund provided you have not filed a claim during the 14-day period. State restrictions apply.