Travel Insurance Buying Tips: Best Plans, What to Look for, Reviews



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Travel insurance is a smart buy if you are setting aside a lot of money for a non-refundable travel deposit. It’s also a smart move if you’re traveling overseas, where you’ll likely need travel health insurance in addition to other useful types of coverage as part of a comprehensive policy.

It will be even smarter to use technology to simplify the trip and get the most out of travel insurance purchase.

Connected: Compare and buy travel insurance for 2021

Travel insurance technology and convenience

You can take advantage of technology from the start by using the Internet to compare insurance options. Travel insurance comparison websites allow you to sort many options according to the types of insurance coverage you want, how much insurance coverage you want to buy, etc.

Or, by going directly to the travel insurance company website, you can receive an online offer and complete the registration process, eliminating the need to print registration forms or mail a check. When you buy a policy, your credit card payments will be processed securely. In addition, these websites provide all kinds of information to understand the coverage options available.

If you have travel insurance, you can reduce the waiting time on the customer service line by making any changes to your plan online.

Connected: Compare and buy travel insurance for 2021

You can also become a more informed traveler with travel insurance company apps. For example, the Travelex Travel On app is available to those who have purchased certain Travelex plans. The app contains detailed destination recommendations, safety warnings and risk ratings for travel destinations.

These apps also often offer an on-call help button, allowing you to contact your provider 24/7 for general advice or emergency assistance during your trip.

Insurance apps are also a good way to organize your travel documents and documents. For example, the Trawick International app allows you to keep all your insurance documents and visa letters in one place, so you don’t have to carry any additional documents with you when traveling, says Bailey Foster, a Trawick spokesman.

The Trawick app also lets you track any claims and find providers that are covered by your travel insurance plan.

Planning and risk assessment applications

Peace of mind can add to the enjoyment of your trip. Many travel insurance apps can help you plan and assess risks.

Here are some ways to improve your ride and increase your safety with the app, according to Travelex:

  • Receive updates at destination on Covid-19 restrictions, other health updates, safety alerts, country of entry / exit requirements and more
  • Get tourist information such as the official destination currency and general tip.
  • Determine the risk rating for your destination based on crime, civil unrest, or terrorist attacks.
  • Access 24/7 travel assistance to call emergency or concierge services to rebook your canceled flight or find a healthcare provider.

Technology for travel insurance claims

Technology can make it easier to file a claim.

“Many insurance companies have moved their claims almost entirely online and simplified the process, making it easier and faster than ever to file a claim,” said Jason Schreier, CEO of April Travel Protection.

Technology tips for travelers

Schreier offers these tips for travelers looking to be tech-savvy.

  • Take pictures of your receipts while traveling. “It is extremely easy to lose your receipts, and it can be difficult to track them after you have left a state or country,” he says. When you have photographs of receipts, you immediately receive documentation for any travel insurance claims.
  • Use apps like Google Translate to help with machine or interpretation. In addition, the camera function will instantly translate everything that is in its field of view without taking a picture. “It can be incredibly helpful with menus, street signs, bathrooms and warning signs when you don’t speak your native language,” says Schreier.
  • Use apps like Uber and Lyft whenever possible– suggests Schreier as they have a GPS tracker for your location, unlike local taxis.

Connected: Compare and buy travel insurance for 2021


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