Trip Insurance Prices

[OLT2004]

Did you buy trip insurance?
Who did you use?
Would you post what you paid?
Thanks,

 

[eliza61]

Did you buy trip insurance?
Who did you use?
Would you post what you paid?
Thanks,

I don't buy it for my Disney trip but, my 2 sons and I are going to London/Paris for 10 days in May. The trip is ~2800 bucks a piece. The trip insurance for all 3 of us was 261.00 dollars

 

[eliza61]

Sorry forgot to add, company is TRAVELEX.

 

[cricketgirl]

Did you buy trip insurance?
Who did you use?
Would you post what you paid?
Thanks,

I bought it through Disney for my Disney World trip it is $74.95 per person. Worth ever penny in my opinion.

 

[ready123go]

Did you buy trip insurance?
Who did you use?
Would you post what you paid?
Thanks,

We do purchase trip insurance for cruises. Health insurance may not kick in internationally (check with yours - YMMV), also missed connections, etc. are a greater possibility.

We don't typically buy trip insurance for domestic travel or quick trips. Primarily because those trips are inexpensive and if something happens, such as lost luggage, it won't break the bank. Plus our credit card has some luggage coverage and car rental coverage. Health insurance is often accepted most places, so that is another reason to refrain from purchasing trip insurance for domestic trips.

However, our last trip to Disney we did buy insurance. Heavy snow was being predicted, it was a two week trip, we paid a small chunk of change so we were concerned accordingly and figured it was worth the peace of mind. We bought a Travel Insured policy. It covered up to $2500.00 per person (2 people, total coverage was $5000.00). The cost was $117.00 per person + $8.00 fee (2 people, total cost $242.00).

We have used both Squaremouth and Trip Insurance Store. The nice thing about Trip Insurance Store is they use only five companies, so it helps to reduce confusion.

DISCLAIMER: I have never had to make a claim, so I can't speak to the ease of dealing with any specific insurance company.

 

[OLT2004]

Thank You all for your reply's.
This is for a trip to Mexico and with aging in-laws....
I will check prices.
Thanks,

 

[coluk003]

Disney at least in DL uses travel guard. insurance when not booking a vacation "package" though some company can and will vary.

I say go for it and EDUCATE yourself. Those who claim the dont need it are sorely mistaken. This coming from a guy who needed it once and didnt know i had it.

Aging parents you say? Do you think the place you are staying will cover your expenses if they say fall down by accident? More then likely not. Travel guard or insurance in general does. Your health insurance from work or theirs might not cover you out of state.

Are the airlines on time? NOPE, so if you miss like 4-6 or more hours you get reimbursed. Ever had luggage LOST, the airline nor the airport will delivery your stuff to you for free, you have to usually go get it yourself. Having to waste time getting there and getting it and getting back to your vacation. I know travel guard does all that for you and its INCLUDED.

But seriously educate yourself, call these places and ASK specific questions, about air fare, lost luggage,electronics, and death in the family type situations. No one even me can tell you everything but it sure as hell is worth it in EVERY situation

 

[minerva78]

I always go through insuremytrip dot com because it shows you a lot of different plans and you can compare them to each other based on what each of them offers. I don't think there is a particular one I use each time, I just find a plan I like on this website.

 

[bumbershoot]

Thank You all for your reply's.
This is for a trip to Mexico and with aging in-laws....
I will check prices.
Thanks,

You will almost certainly want to make sure that the insurance you buy includes pre-existing conditions. (this means there's a waiver of pre-existing conditions, or something like that) This brings the price up a bit.

I used insuremytrip.com for our upcoming cruise. I live in WA so pre-existing conditions *must* be covered (state law) which brings the number of insurers who can sell to me down. You'll have more insurers to choose from if you don't live in WA, but you still need to make sure pre-existing conditions of theirs are covered.

 

[Aliceacc]

Last year I got trip insurance through Access America for our Disney trip. (The trips before that I booked a package, so I had Disney's trip insurance.) It cost a total of $74 to cover the non-refundable money I had put down: $2400 or so in airfare, about $1000 in YES tickets and about $300 deposit for our room at the Beach Club.

Anytime I put down serious money that's nonrefundable, I get trip insurance.

 

[mdsoccermom]

Thank You all for your reply's.
This is for a trip to Mexico and with aging in-laws....
I will check prices.
Thanks,

Keep in mind that many insurers use age as a determinant. So their policy could be much more expensive than a comparable policy anyone here had.

I use Travel Guard exclusively because they have great coverage and customer service. I know 2 people that have had to file claims with them (one was an 85 year old) with no problem.

 

[sallysue66]

i've used insuremytrip... as well. i think the first time i chose a Travel Guard policy and the second was an Access America policy.

 

[elaine amj]

When we travelled to WDW in August 2012, we prchased through Travel Guard. It was a grand total of $81 for all 4 of us. It was for $3600, which covered our WDW package and $150 pp change fees for our Delta airline tickets.

I know some say insurance hasn't been very worth it for them - that adding up the cost of their insurance over many trips vs the one instance of disaster it wasn't worth it.

At such a low price, its worth it for us. If it was a much higher percentage of our trip cost (like what Disney charges), I don't think we would feel it's worth it. I felt 2% of our trip cost was very reasonable.