As a frequent traveler to 50+ countries in my role as a travel writer and blogger, and before that, as a travel enthusiast, I never travel internationally without travel insurance. The main reason why? For the comprehensive health and trip interruption coverage that travel insurance provides. Experienced travelers know firsthand that things can go wrong anytime and anywhere. Given this, it is better to be safe with the protection of a policy from a dependable insurer than without it.
In this article, I cover why InsureMyTrip.com is my top choice for travel insurance. I share its pros and cons, tips on using it, the types of coverage you should get, and finally, compare InsureMyTrip.com to other leading online travel insurance platforms. Read on to get the information you need to decide where to buy this essential trip protection.
In addition to international trips, I sometimes buy travel insurance—depending on the trip—for domestic vacations. Not sure when you need travel insurance? Get four reasons to buy it, two situations when you might not need it, and 18 things you should know before purchasing a policy in this article.
About InsureMyTrip.com.
InsureMyTrip.com is a leading online platform that helps you shop and compare policies sold by 20+ travel insurance providers. This means, InsureMyTrip.com functions as a virtual trip insurance agent, selling policies from different insurers. With its easy-to-navigate website, InsureMyTrip.com is where to go when you want to purchase a travel insurance policy across many options quickly, easily, and conveniently.
Additionally, as a virtual agent, InsureMyTrip.com is the main point of contact for customer questions about a policy and to help manage potential issues with a low-response or non-compliant travel insurer. Though you can buy insurance directly from an insurer, by working with an agent such as InsureMyTrip.com, you secure one more layer of consumer protection through their Anytime Advocates program. Travel insurance companies want to sell their policies on the InsureMyTrip.com marketplace and will look to avoid and resolve conflicts brought against them by InsureMyTrip.com.
Over the years, I have repeatedly bought travel insurance for international trips from InsureMyTrip.com to destinations like Italy, Malta, Belize, Ireland, and other destinations. Plus—it is where I search to find policies that allow me to purchase add-on rental car coverage for international rentals. Although I have not had to file a claim, knowing I have my policy is a reassurance, and with its streamlined interface, InsureMyTrip.com makes for a convenient check off my comprehensive trip planning and preparation.
To avoid purchasing a travel insurance policy from a provider with a poor service record with processing claims, be sure to check this.
Pros of using InsureMyTrip.com.
InsureMyTrip.com offers several advantages that make it your ideal place to purchase travel insurance. Here are six pros of using InsureMyTrip.com:
1. Extensive coverage options. InsureMyTrip.com partners with 20+ insurance providers and offers extensive coverage options, including add-ons like CFAR (Cancel for Any Reason) and rental car insurance. See a list of insurance providers on the InsureMyTrip.com homepage or in the image below.
Not sure which coverages you need? Get a full explanation of the types of coverages here.
2. Easy-to-navigate website. InsureMyTrip.com features a user-friendly interface that makes it easy to navigate and find information you need quickly. The website is well-organized, with clear sections for different types of coverage, and provides comprehensive filters to refine your search.
3. Customizable quotes. Use InsureMyTrip.com to provide customized quotes based on your specific travel needs. After entering trip details such as destination, dates, and age, the platform will display a list of tailored quotes from different insurance providers where you can scroll prices and coverage options.
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4. Helpful cross-comparison tool. To better assess which travel insurance policy is right for you from your quote list, InsureMyTrip.com provides a Compare Plans tool. With it, you can easily compare two or more top contending policies side-by-side giving you an immediate and more thorough understanding of the coverages and limits offered. Look at the screenshot below for how to do this.
5. Reviews. InsureMyTrip.com collects and displays user reviews for all insurers. Scan general customer reviews, then look at the even more insightful claimant reviews. If a travel insurance company on InsureMyTrip.com consistently shows high marks from claimants—customers who filed a claim—it demonstrates its trustworthiness.
6. Customer support & resources: Find the InsureMyTrip.com customer support number prominently displayed at the top of the website. Customer support from trained reps is available for US residents seven days a week. Additionally, InsureMyTrip.com policy purchasers can tap its Anytime Advocates program, which can help navigate issues with the claims process. Further, the InsureMyTrip.com website offers helpful information through their Learn Center, breaking down the complexities of travel insurance and providing tips.
Cons of using InsureMyTrip.com.
While using InsureMyTrip.com to shop for a travel insurance policy offers unquestionable benefits, there are three cons to be aware of when using this travel insurance platform. Here are some potential drawbacks:
1. Complex policy details. Travel insurance policies can be complex, with detailed terms, conditions, and exclusions that are difficult to understand by a lay user. Although a relatively standard practice across the industry, InsureMyTrip.com does little extra to help demystify the details. Because of this, would-be purchasers must thoroughly review the fine print of any policy before buying.
2. Some providers have poor reviews from claimants. Although overall user ratings on the InsureMyTrip.com website rank high across insurance providers, you will want to note the bulk of these reviewers are not claimants. To see claimant reviews when scrolling through a list of travel insurance quotes on InsureMyTrip.com, click the Filed Claim checkbox, shown in the screenshot below.
I especially find the feedback from claimants valuable as it helps indicate who is the most reliable insurance provider. Good reviews from claimants are an excellent sign of a dependable and easy-to-work-with insurer—ideal in an emergency.
3. Limited coverage for pre-existing conditions. If you have pre-existing medical conditions, you will want to carefully review the InsureMyTrip.com coverage options. To view which policies offer waivers for pre-existing conditions, use the vertical filter at the top of your quote results. I show where to find it in the screenshot below.
A quick look will show you many policies do not permit waivers for pre-existing conditions. Additionally, several plans have look-back periods—the time frame insurers examine medical histories to ensure there is no presence of the medical condition—that reach back as far as 180 days.
Despite these drawbacks, many travelers rely on InsureMyTrip.com as a reliable and convenient platform for purchasing travel insurance. By being aware of these potential cons, you can navigate the platform more effectively and make informed decisions.
How to use InsureMyTrip.com to compare travel insurance plans.
Here is a step-by-step guide on how to use the InsureMyTrip.com platform effectively when searching for a policy:
1. Get a quote: Start by clicking the Get A Quote button on the InsureMyTrip.com homepage.
2. Enter your trip details: Enter your trip details, such as destination, travel dates, and the number of travelers. Just a few pieces of quick information are needed for the platform to provide accurate quotes tailored to your needs. Within this step, you may also notice the ease of the design of the InsureMyTrip.com quote process, shared in the screenshot below.
3. Browse your quote and coverage options: InsureMyTrip.com offers a range of coverage options, including trip cancellation, medical expenses, emergency evacuation, and baggage loss. Select the coverage options that are most important to you and your travel plans.
Not sure which coverages you need? Get a full explanation of the types of coverages here. Then, get six tips to help you choose the best policy for your needs.
4. Compare quotes: From the list of travel insurance plan options, you can select two or more policies that meet your needs best and compare them side-by-side. I show how to do this in the section above here. Using this tool gives you the best visibility to compare coverage limits, deductibles, and exclusions to ensure you are buying the best travel insurance policy for your needs.
5. Read customer reviews: InsureMyTrip.com shares customer reviews and ratings for each insurance plan. Take the time to read claimant reviews, as this will provide you with the best insight into the reliability of the insurance provider.
6. Finalize your purchase: Once you compare quotes and read customer reviews, purchase the travel insurance plan that best suits your needs.
Comparing InsureMyTrip.com with Squaremouth & TravelInsurance.com.
While InsureMyTrip.com is my preferred choice for comparing and purchasing travel insurance due to its ease of use and reliability, here is how it stacks up against two comparable top platforms.
Squaremouth
If I were not already a dedicated InsureMyTrip.com user, Squaremouth is the next travel insurance platform I would use. It is known for its comprehensive coverage options, transparent pricing, and easy-to-use design, like InsureMyTrip.com.
I have researched both providers in-depth and found only small differences. Squaremouth sells from more insurance providers—nearly 30 vs. 20 at InsureMyTrip.com. While InsureMyTrip.com offers claim assistance via its Anytime Advocates program, Squaremouth provides a “Zero Complaint Guarantee” where they promise to remove any insurance provider from their website if they receive a legitimate complaint from a customer.
Additionally, regarding customer satisfaction, Squaremouth shows higher customer ratings on Trustpilot and slightly higher ratings on Reseller Ratings. However, considering that InsureMyTrip does triple the business, in terms of revenue, vs. Squaremouth, this might affect how you interpret the scores.
TravelInsurance.com
TravelInsurance.com is another online insurance marketplace offering a similar range of coverage options. Like InsureMyTrip.com, TravelInsurance.com allows users to compare quotes and select the best policy for their trip.
One notable difference is that InsureMyTrip.com has a more intuitive and appealing interface, making it easier to navigate and find information vs. TravelInsurance.com. Both companies offer comprehensive plans, including coverages like trip cancellation, medical expenses, and baggage loss. However, InsureMyTrip.com quotes from a network of 20 insurance providers vs. 12 at TravelInsurance.com.
Takeaways.
Searching for the right travel insurance policy can feel overwhelming and frankly, not very fun. However, it is an essential part of trip planning and preparation, and one you will be grateful to have in place when an inevitable unexpected medical emergency or trip interruption happens.
With InsureMyTrip.com, you can quickly find the just-right policy with the coverage you need for your trip. It is the primary resource I rely on and recommend frequently for its ease of use, familiarity, and dependability.
Related reading.
If you are searching for more travel planning assistance to help you save time and money and stay organized, check out the related articles below.
- Travel Insurance Simplified: 4 Reasons You Need It & 18 Things to Know Before Buying It
- Rental Car Insurance: When You Need It & When You Don’t
- 49 Things You Need to Do to Plan Your Best Trip (Free Travel Research & Planning Checklist)
- Itinerary Template for a Trip: Free Downloadable Examples & More Resources
- Pack Faster & Better with This Universal Printable Packing List
- 25 Expert Packing Tips to Help You Travel Better
- Pre-Trip: A Practical Checklist to Close the House & Pack
Feedback & questions.
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