Travel Insurance Quote Comparison Checklist

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Before you shop

• Total up the prepaid, nonrefundable costs you would lose if you cancelled: flights, lodging, tours, cruise fares.
• Note the date of your first trip payment, because some benefits require buying within a set number of days of it.
• Check what you already have: employer or marketplace health plan, Medicare, and credit card travel benefits, and whether any of them work abroad.

Compare the benefits

• Trip cancellation and interruption limit, and the list of covered reasons.
• Emergency medical limit and whether it is primary or secondary to your health plan.
• Emergency medical evacuation and repatriation limit.
• Baggage, delay and missed-connection limits, with per-item and per-day caps.

Read the conditions

• Pre-existing condition definition, look-back period and the purchase deadline for a waiver.
• Exclusions for adventure sports, alcohol, pregnancy, mental health and travel to advisory countries.
• Deductible, coinsurance and any sublimits that apply to the benefits you care about.

Before you pay

• Confirm the insurer or underwriter name, the plan number and the state-specific policy document.
• Note the free-look period and how to cancel, then save the policy, claim phone number and 24-hour assistance number offline.