Travel Insurance

@Harper IMG and Seven Corners are both great choices for long trips, but they differ in some ways.

IMG offers high coverage limits and allows you to pay monthly, which is quite nice. They even have plans for adventure riders, so if you're planning to dive or go parachuting, you’re covered.

On the other hand, Seven Corners also covers adventure sports but works with fixed payouts. Just make sure those payouts will cover what you need for any services you might use.

When it comes to claims, reviews for both companies are a bit of a mixed bag. So, definitely take a moment to read the fine print, especially regarding the sports you're into, before making a decision.

@ForkAndFi don't drain your emergency fund for a travel mishap. Use your cash for uninsurable expenses, like job hunts, and let travel insurance handle the big, unpredictable medical bills or flight issues. Comparing a small premium to a potential $10,000 bill makes it a no-brainer.

@B_enjamin25

Berkshire Hathaway Travel Insurance is great for long delays, offering coverage after 5 to 12 hours for costs like meals or lodging. However, it’s less helpful for shorter delays.

I suggest that you review the policy details and consider your travel patterns or other coverage options to ensure you’re protected against all types of disruptions.

Travel Guard policies typically cover emergency medical costs in Spain. And it also includes ER visits and ambulance services. In most of the cases, AIG pays the bills directly, but sometimes it allows you to pay first and then file a claim to get your money back. Always check for specific policies for coverage details and payment procedures.

Trawick International offers various plans for international students, and the Collegiate Care Enhanced Plus Plan is best for international students, providing up to $500,000 in medical coverage per period, including emergency services and preventive care. Coverage ranges from 91 to 364 days. Pre-existing conditions have a six-month waiting period.

It also provides the provisions for travel disruptions like delays or flight cancellations.

According to your need, I suggest Seven Corners is the best option for you, as it offers a wide range of coverage options and is good for those who travel a lot. It has a high customer satisfaction rating also.

If you choose to purchase travel insurance, you will receive the following coverage benefits:

Trip Cancellation refund. Coverage for medical expenses Reimbursement for baggage lost or delayed. Travel delays coverage.

Budget-friendly travel insurances are:

World Nomads Allianz Travel AXA Assistance USA Seven Corners

All of these offer a wide variety of insurance plans and are affordable.

Yes, World Nomads provides emergency medical coverage during your international trips. It can cover the medical expenses up to $100,000.

If you misplace your luggage while traveling, follow these steps:

Report your luggage loss to the airline desk counter ASAP, and have an official report.

Gather all the necessary documents, such as your luggage loss report, the proof of purchase for the lost item, and your complete travel itinerary.

Start your claim through Travel Guard's online portal or by phone and then submit all the documents. After the submission, the company will verify the claim and then initiate the process of reimbursement.

The claim amount depends on your particular travel plan.

Yes! you can buy travel insurance at the last moment. There are many travel insurance providers, from where you can choose according to your requirement. Allianz Global Assistance, World Nomads, Travel Guard by AIG.

All the insurances have different benefits (medical coverage, trip cancellation), so it’s better to go through each insurance and compare them and then decide the best insurance for you.