Nowadays, travelers invest a significant amount of hard-earned money to enjoy those special vacations with family and friends. Travel insurance is a means of protecting that investment in the event an unforeseen event occurs, forcing people to cancel or interrupt their trip. This post we introduce people the best travel insurance.
Travel insurance offers 24/7 multilingual support to help customers get there if they are delayed or to get they home if needed. Even if people are over 65 years old, the travel insurance for seniors is very necessary. If you want to get information about the senior travel insurance, you can read the previous post of us.
BEST TRAVEL INSURANCE
As you know, there are a lot of companies offering the travel insurance with different policy. Therefore people should consider carefully before choosing the best travel insurance. Today, we guide people how to choose the best travel insurance in the US and introduce people to a company providing some cheap travel insurance services.
1. How can people choose the best travel insurance in the US
1.1. Well-rounded plans
Travel insurance comes in many shapes and sizes – some providers only sell health insurance, while others allow customers to customize the plan around certain risks. But to really be the best, a company should offer policy with five major insurance options, even if you do not buy them.
1.2. The best travel insurance should cover:
- Emergency medical care
- Medical evacuation and repatriation
- Trip cancellation/interruption
- Baggage/personal item loss and delay
- 24/7 worldwide assistance
Five types of general insurance form a comprehensive plan, but the specific benefits in them can change. To see how they stacked together, we looked at each company’s policy details and wrote them on both the available options and the generosity of suitability. We have provided extra points for generous vendors such as those offering “cancel for any reason” and free insurance for children.
1.3. International coverage
International travel insurance ensures that customers will be covered when traveling outside the country. Although travel insurance is useful for traveling across states – health insurance does not usually go through state lines – this is absolutely necessary overseas.
1.4. Robust emergency medical coverage
Travel experts have said we agree that emergency medical coverage is the single most important part of travel insurance, largely because most health plans do not cover customers in another country. That means that if customers break their leg or have pneumonia abroad or on an international trip without travel insurance, they are responsible for the entire bill.
For the number of health insurance clients needed, Megan Singh, recommends enough to cover at least a week in the hospital – about $ 50K. So, we guarantee that all of our top choices offer at least one package with $ 50K in health insurance. Most providers offer at least one plan in line with our reduction programs, so we focus on small differences to find the most comprehensive coverage.
1.5. Reliable medical evacuation coverage
Standard medical coverage will cover the treatment, but medical evacuation is a separate insurance item that is also important. If customers need to be boarded a medical transport helicopter or fly to the US on a medical staff flight, that cost can easily exceed $ 50,000.
“The evacuation of medical care can easily cost $ 50-100,000,” said Megan Freedman, executive director of the American Insurance Association. “A $100,000 policy on evacuation insurance should include a worst case scenario, so we have made the requirement. Most providers have at least one plan meeting our minimum requirements, so we have given priority to companies like John Hancock having the cheapest plan starting with premium insurance. canopy $ 250,000.
2. Why is John Hancock the best travel insurance
2.1. Straightforward contracts
John Hancock offers a simple and easy to read contract. When explaining insurance for interrupted trips due to a stolen passport, the contract states clearly it will include “a theft of the passport or visa document.” The contract is not A leisure reading, but we like that it gives the policy as simple as possible and provides clarification along the way so that we know exactly what to expect from our insurance.
2.2. Generous coverage
John Hancock offers all standard insurance clients expect from a travel insurance company including travel cancellation reimbursement and 24/7 support. Customers even get up to $ 150 per day for meals and other expenses if their flight is delayed three hours compared to five to twelve hours of other companies.
We were equally impressed by the health insurance – the Bronze Plan (the cheapest) provided $ 50K for medical treatments and $ 250K for medical evacuation. Upgrade to Silver or Gold and increase the amount. The company even offers $ 750 for dental care (more than $ 250 more than competitors like Travelex).
The benefits of each plan will be paid to a maximum as indicated below.
| Bronze Rates starting from $24 |
Silver Rates starting from $31 |
Gold Rates starting from $54 |
|
|---|---|---|---|
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 125% of trip cost | 150% of trip cost | 150% of trip cost |
| Airline Ticket Change Fee | $200 (Certain Conditions Apply) |
$200 (Certain Conditions Apply) |
$200 (Certain Conditions Apply) |
| Terror Attack Coverage | Covered | Covered | Covered |
| Trip Delay 3 or More Hours (Bronze, 6 or More Hours) |
$500 ($150/day) |
$750 ($150/day) |
$1,000 ($200/day) |
| Missed Connection | $200 | $750 | $1,000 |
| Single Occupancy Supplement | Included | Included | Included |
| Baggage/Personal Effects | $750 | $1,000 | $2,500 |
| Baggage Delay (12 hours or more) |
$250 | $500 | $500 |
| Primary Emergency Accident and Sickness Medical Expense | $50,000 Deductible: $0 $750 Dental Expense Only |
$100,000 Deductible: $0 $750 Dental Expense Only |
$250,000 Deductible: $0 $750 Dental Expense Only |
| Emergency Medical Evacuation and Medically Necessary Repatriation | $250,000 | $500,000 | $1,000,000 |
| Repatriation of Remains | $250,000 | $500,000 | $1,000,000 |
| Frequent Travel Loyalty | $200 | $200 | $200 |
| 24/7 Emergency Travel Assistance | Covered | Covered | Covered |
| Renters Collision Insurance | Optional Upgrade (See Below) |
Optional Upgrade (See Below) |
Optional Upgrade (See Below) |
| Pre-Existing Conditions Exclusion and Waiver | 60 Day Look Back 14 Day Waiver (Certain Conditions Apply) |
60 Day Look Back 14 Day Waiver (Certain Conditions Apply) |
60 Day Look Back 14 Day Waiver (Certain Conditions Apply) |
| Accidental Death and Dismemberment | Principal Sum: $25,000 | Principal Sum: $100,000 | Principal Sum: $100,000 |
| Rental Car Collision (Excess/Secondary) | $50,000 | $50,000 | $50,000 |
| A D & D – Air Only $300,000 or $500,000 |
Available | Available | Available |
2.3. Excellent customer service
Representatives of John Hancock are knowledgeable, friendly, patient and warm, and know the envelope backward and forward. Better yet, it took less than a minute for the company to answer the call, which made us feel confident that, if we had to make an emergency call, we would be in good standing. .
It’s noted that John Hancock’s customer support (sales and claims department) is actually managed by Seven Corners – another insurance company not really our top choice. However, we feel that John Hancock’s policy and customer representation make a great combination.
Before getting a cheap and secure insurance package, people need to consider all of the factors, especially the insured aspects and compare travel insurance. The article briefly introduces the best travel insurance. In the next article, Info Credit Free will introduce people about the travel insurance Australia.
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Hillary (Team Content) – Travel Insurance