The Difference Between Travel Agents And Insurance Brokers

Today, the world’s population is more mobile than ever. As a result, there are more options available for travel insurance for today’s travelers. Travel insurance rates are also much more variable depending upon the type of agency or insurance broker you buy from.

Not too long ago most travelers’ idea of “trip insurance” was the flight insurance available from vending machines at major airports. Actually, with all the newer sources available, those machines are disappearing from many airports. A good portion of travel insurance is now purchased from ticket brokers, booking agents, and travel agents at the time your travel arrangements are made. However, this may not always be your best bet for coverage or price.

The standard travel insurance policy bought through travel agents is essentially a term life policy that simply protects you in the case of an airline flight or train ride failure. Plus, these policies only cover travel on commercial carriers to ensure that you and your baggage will arrive safely at your destination. To get better coverage, you may need to talk with an insurance agent or broker.

What other needs might you have besides getting there? Travel policies can be purchased to ensure that you arrive within a timely manner. They can also offer reimbursement for unseen expenses that can occur if your travel is interrupted or delayed. Polices can pay for such things as hotel rooms, meals, and rental cars, along with other alternative means of transportation to get you to your destination.

Travel insurance from travel agents typically carries low limits on these types of reimbursement costs. They also may have lower limits on baggage and property replacement should your property be lost, damaged, or stolen.

Trip insurance for travel in private vehicles is also available when you purchase from a broker. Examples of such coverage are the member benefits of auto or other such travel clubs. These type policies often include “trip assurance” regardless of the method of travel, unlike the coverage purchased from travel agents.

You can receive comprehensive policies that offer better coverage with lower travel insurance rates by working with an agency like TravelInsurance.com. We offer a unique policy comparison tool to help you choose the right coverage and buy it online.

As with any policy that covers more than the standard travel coverage, comprehensive policies that you can buy from sites like TravelInsurance.com do more than just offer very short term life insurance, like those offered by travel agents. They can offer advanced coverage options for your convenience. When looking for travel insurance, be sure to take into consideration the policies offered by comparison websites like TravelInsurance.com, to ensure that you get the right coverage for the right price.