Flight insurance = Aka Accidental death and dismemberment insurance. This is basically life insurance, to cover you for the duration of your flight. This won’t cover injuries, and will not refund you for your ticket. Is usually a waste of money. Better options for AD&D coverage are included in the Travel Medical Insurance plans below. Or get a simple AD&D plan that will cover not only the flight but while you are on the ground overseas as well (i.e. your whole trip).
Trip cancellation insurance = This will refund 50%-100% of your trip if your trip happens to be canceled, you end up not being able to go, or if your trip has to be stopped halfway through. Trip cancellation is for large, expensive trips that you don’t want to lose money on. It usually has to be purchased within 10 days of your initial deposit. There is a difference between regular trip cancellation and “Cancel For Any Reason.”
Questions to ask before purchasing trip cancellation insurance: Is it worth it the extra cost? Is your deposit non-refundable or high? Is there a reason to doubt you may not be able to go? Note that Trip Cancellation is based on the cost of the trip.
Travel medical insurance = Coverage in case you get hurt or sick overseas or your baggage is lost or you miss a flight. It usually includes both medical evacuation and political evacuation, as well as helping you find a good hospital overseas if you need immediate care. Beyond covering your medical expenses, most travel medical plans will also cover flying someone overseas to visit you if you must stay in the hospital, or flying your children back to the US if they’re traveling with you. Translation services are usually included as well, so that you can clearly communicate with doctors and medical staff about treatment options/prescriptions. Without insurance, evacuation from another country could fall anywhere between $15,000-$65,000. Travel medical is on a “per-day” rate, usually a dollar or two a day, and is definitely worth it!
Evacuation only insurance = For those who have a great domestic policy that will provide coverage overseas. If that’s your case, all you need is evacuation insurance since US insurance doesn’t cover that. Evacuation coverage will fly you to the hospital of your choice in the states. You should only get an evacuation only plan if your domestic policy covers everything else.
The U.S. State Department recommends that every international traveler check their coverage before departure and acquire travel insurance from a reputable broker. Good Neighbor Insurance is on the U.S. State Department’s list of recommended brokers.
Get direct quotes or your questions answered by calling our GNI team at (480)813-9100!