It is possible to acquire travel insurance from a number of sources. Travel agents offer trip insurance in addition to third party companies and comparison websites. Since it is always best to shop around for the top rates and policy terms, comparison sites are a great purchasing channel.
Travel insurance companies offer products on their websites so that it is easy for travelers to select and buy plans. A comparison website works in a similar manner. Whether a person makes a purchase directly from an insurance company or a comparison site, it is possible to receive instant quotes, make the purchase, and receive a confirmation and policy documents over the Internet.
Disadvantages of Purchasing Trip Insurance Through a Travel Agency
Although many people believe buying trip insurance through a travel agency is the smartest option, this is not always the best choice. An agency may only present a few plans from a small amount of providers. Also, a travel agent’s protection plans are not necessarily backed by legitimate underwriters.
Travel Insurance for a Cruise
When a person is planning a cruise, it is common to purchase one of the operator’s protection plans. These may seem like tempting options, but most of these waiver plans do not fulfill the same needs as true trip insurance. Many have significant limitations and only protect certain parts of a cruise.
Advantages of Trip Insurance Through a Comparison Site
Many features of a comparison website are very attractive to buyers. The biggest benefit that comes from buying travel insurance from a comparison site is the ease at comparing ratings, quotes, and features for a multitude of policies. Viewing a side-by-side explanation of benefits allows a person to choose a policy that makes the most sense for individual needs. A comparison site may also offer verified customer reviews to give prospective customers a clear picture of past customer experiences with various providers and plans. Potential buyers can select upgrades and see the price adjustments without hassle. Also, buyers have instant access to review plan certificates.
Travel insurance usually comes with a free look period. During this time, a person can review benefits and make sure coverage is adequate. If things need to be changed or cancelled, this is the time to make alterations.