Comprehensive travel policies typically cover trip cancellation and interruption, letting you cancel or cut your trip short because of a personal emergency, illness, or, in some cases, acts of terrorism in your destination. Such policies also cover evacuation and medical care. Some also cover you for trip delays because of bad weather or mechanical problems, as well as for lost or delayed baggage. Another type of coverage to look for is financial default—that is, when your trip is disrupted because a tour operator, airline, or cruise line goes out of business. Generally you must buy this when you book your trip or shortly thereafter, and it's only available to you if your operator isn't on a list of excluded companies.
Expect comprehensive travel insurance policies to cost about 4% to 8% of the total price of your trip (it's more like 8% to 12% if you're over age 70). Always read the fine print of your policy to make sure that you are covered for the risks that are of most concern to you. Compare several policies to make sure you're getting the best price and range of coverage available.
OK. You know you can save a bundle on trips to warm-weather destinations by traveling in the rainy season, but there's also a chance that a severe storm will disrupt your plans. The solution? Look for hotels and resorts that offer storm/hurricane guarantees. Although they rarely allow refunds, most guarantees do let you rebook later if a storm strikes.
Insurance Comparison Sites
Insure My Trip.com (800/487–4722. www.insuremytrip.com.)
Square Mouth.com (800/240–0369 or 727/490–5803. www.squaremouth.com.)
Comprehensive Travel Insurers
Access America. 866/729–6021. www.accessamerica.com.
AIG Travel Guard (800/826–4919. www.travelguard.com.)
CSA Travel Protection (800/348–9505 or 877/243–4135. www.csatravelprotection.com.)
HTH Worldwide (610/254–8700. www.hthworldwide.com.)
Travelex Insurance (888/228–9792. www.travelex-insurance.com.)
Travel Insured International (800/243–3174. www.travelinsured.com.)
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