InsureMyTrip Journey Insurance coverage Assessment (Up to date 2024)

A man with a backpack on looks at an airport departures board full of red cancellations
Posted: 1/14/24 | January 14th, 2024

Journey insurance coverage gives a significant security web towards surprising prices which will come up because of the myriad issues that may go incorrect on the highway. That features the whole lot from sickness and harm to canceled flights and misplaced baggage to the demise of a member of the family again house.

I do know, it’s not enjoyable to consider, however journey insurance coverage is the only most vital factor you should buy earlier than your journey. It’s one thing I strongly advise vacationers to by no means depart house with out (I purchase it for each single considered one of my journeys). I’ve seen it assist many, many individuals through the years. Myself included.

It’s simpler than ever to discover a coverage that meets your wants and finances, particularly with instruments on the market like InsureMyTrip.

On this InsureMyTrip overview, I’ll go over what the corporate affords and the professionals and cons of utilizing them as a service to make use of when planning your journey.

 

What Is InsureMyTrip?

Screenshot of the InsureMyTrip homepage, a website for finding travel insurance


InsureMyTrip (IMT) is a journey insurance coverage comparability web site that has been serving to folks discover their supreme coverage since 2000. To be clear, because of this IMT doesn’t present any of the plans listed on its web site. It doesn’t provide any insurance policies or underwrite any claims. As an alternative, it’s a market that makes it simple to seek out the perfect plan to fulfill your wants.

IMT searches all insurance policies throughout 20 insurance coverage firms based on your search standards, and also you’ll solely be proven insurance policies for which you’re eligible. This protects you the frustration of in search of journey insurance coverage insurance policies elsewhere, solely to find that they don’t cowl your age vary (or different necessities you might have).

I’ll get into who IMT is right for additional on on this overview.

How InsureMyTrip Works

Screenshot of the InsureMyTrip website showing the 20 insurance providers they work with


InsureMyTrip is a market of 20 insurance coverage suppliers. It searches all of the plans provided by these suppliers to seek out the perfect plan for you. Clearly, this might take a ton of time to do your self when you checked every coverage individually. With IMT, it occurs in a matter of seconds when you fill in your journey data and construct a quote.

Plus, because of InsureMyTrip’s Greatest Plans Assure, that you simply’re solely seeing plans with a number of constructive rankings and opinions from precise clients.

Right here’s the knowledge you’ll fill in to get a free quote:

Screenshot of the InsureMyTrip website showing fill-in-the-blank options to build a quote

When you enter your particulars, you’ll be delivered to a web page with varied plans. The costs proven under are from an instance quote for a 42-year-old traveler from New York going to Thailand for 2 weeks:

Screenshot of the InsureMyTrip website showing three travel insurance options for a potential trip

That is only a snippet of three (out of many) urged plans and, as you may see, the value varies extensively amongst them.

That’s the place IMT’s comparability software is available in. Simply hit the “evaluate” field beneath the value to pick and evaluate completely different plans facet by facet.

The comparability web page seems like this:

Screenshot of the InsureMyTrip website comparing the details for 4 different travel insurance plans

The evaluate software makes it simple to see the small print of various plans facet by facet. This manner you may simply see at a look which of them work on your wants and which don’t. Finally, solely you may determine whether or not you need larger protection limits and are keen to pay a bit extra for them however the comparability characteristic makes it simple to determine.

Personally, I at all times advocate getting a minimum of $100,000 USD in protection. You don’t need to skimp on protection and, if one thing occurs, find yourself hitting your restrict earlier than the issue is taken care of (learn this publish on shopping for journey insurance coverage for extra data).

Irrespective of the plan you find yourself selecting, you’ll know that you simply’re lined with IMT’s Worth Assure. That is one other characteristic I actually like, because it guarantees that you simply received’t discover a lower cost for a similar plan elsewhere. So, while you search IMT, you’re getting the absolute best worth for that plan.

If that’s not sufficient to supply peace of thoughts, IMT additionally has a Cash Again Assure. This implies that you would be able to cancel the coverage throughout a overview interval (normally as much as 10 days after buy) and get a full refund so long as you haven’t made any claims but or began your journey.
 

InsureMyTrip’s Ensures

As talked about above, InsureMyTrip has a number of vital ensures that make sure you purchase the perfect coverage on your journey. These ensures embrace:

Worth Assure
InsureMyTrip’s Worth Assure implies that you received’t discover the identical plan cheaper wherever else. Whereas there are websites on the market that may promote decrease costs, the reductions they’re providing aren’t strictly authorized. Insurance coverage is regulated by state, with particular guidelines round providing reductions and cheaper costs. IMT affords absolutely the lowest costs whereas remaining absolutely compliant with all such laws. Don’t select a much less respected web site for the sake of saving a couple of bucks, because it may create issues for you down the road if it is advisable depend on that insurance coverage.

Greatest Plans Assure
IMT guarantees to solely provide the highest plans available on the market. Utilizing knowledge sourced from over 100,000 actual buyer opinions, it frequently evaluates whether or not a supplier can stay a advisable choice to shoppers. Every overview accommodates a ranking within the areas of protection, price, satisfaction, and claims (if any had been filed). Once you construct a customized quote, every plan could have a hyperlink to opinions, so you may learn suggestions from actual customers of that plan.

Cash Again Assure
Final however not least is IMT’s Cash Again Assure, which allows you to cancel your plan in the course of the overview interval and get your a refund. Most plans allow you to cancel for a full refund throughout this era, although eligibility and overview interval timelines do differ by coverage. Some additionally cost a nonrefundable administrative price to get your a refund. As at all times, learn the superb print earlier than buying to confirm eligibility. You can too attain out to IMT’s customer support crew you probably have any doubts about whether or not the plan you need to buy is roofed by this assure.
 

Professionals of Utilizing InsureMyTrip

  • Shortly evaluate plans from 20 firms
  • Pleasant buyer care representatives
  • Simple-to-use web site for quick and free quotes
  • Means to customise your plan with non-obligatory add-ons, akin to CFAR (Cancel for Any Cause)
  • Three ensures for peace of thoughts (Greatest Worth, Greatest Plans, Cash Again)
  • Anytime Advocates® to assist in case your declare will get denied by the insurance coverage firm

Cons of Utilizing InsureMyTrip

  • Doesn’t search each journey insurance coverage firm
  • Will need to have set journey dates and prices to get a quote

 

Who Is IMT For?

InsureMyTrip is a useful market for vacationers trying to discover a customized insurance coverage coverage. Particularly, IMT is finest for these happening journeys with set starting and finish dates which have main fastened and nonrefundable prices, as with IMT, you buy a coverage primarily based in your estimated journey prices. These may embrace round-trip airfare, pay as you go lodging, all-inclusive trip packages (akin to cruises or resorts), or group tour packages.

This might apply to many sorts of holidays and vacationers. Nevertheless, I particularly advocate IMT for:

  • Senior vacationers as they embrace plans for folk over 70 and most different firms don’t
  • Anybody who desires add-ons, like CFAR protection
  • Cruisers (there are cruise-specific plans)

On the flip facet, IMT shouldn’t be an important possibility for digital nomads or long-term vacationers who’ve ongoing bills with no fastened finish date and due to this fact received’t be capable of insure a visit with a particular price. (If that is you, take a look at this publish on the perfect journey insurance coverage for digital nomads.)

***

Journey insurance coverage is one thing I by no means depart house with out. Issues can (and can) occur on the highway. Be ready by getting journey insurance coverage. It may possibly prevent a whole lot (or hundreds) of {dollars} in surprising prices and give you peace of thoughts and assist ought to one thing go incorrect.

You’ll be able to click on right here get a quote.

I by no means, ever depart house with out journey insurance coverage. You shouldn’t both.

E book Your Journey: Logistical Suggestions and Methods

E book Your Flight
Discover a low-cost flight through the use of Skyscanner. It’s my favourite search engine as a result of it searches web sites and airways across the globe so that you at all times know no stone is being left unturned.

E book Your Lodging
You’ll be able to e book your hostel with Hostelworld. If you wish to keep someplace apart from a hostel, use Reserving.com because it constantly returns the most cost effective charges for guesthouses and accommodations.

Don’t Neglect Journey Insurance coverage
Journey insurance coverage will shield you towards sickness, harm, theft, and cancellations. It’s complete safety in case something goes incorrect. I by no means go on a visit with out it as I’ve had to make use of it many instances previously. My favourite firms that supply the perfect service and worth are:

Wish to Journey for Free?
Journey bank cards let you earn factors that may be redeemed at no cost flights and lodging — all with none additional spending. Try my information to choosing the right card and my present favorites to get began and see the most recent finest offers.

Want Assist Discovering Actions for Your Journey?
Get Your Information is a big on-line market the place you’ll find cool strolling excursions, enjoyable excursions, skip-the-line tickets, non-public guides, and extra.

Able to E book Your Journey?
Try my useful resource web page for the perfect firms to make use of while you journey. I record all those I take advantage of after I journey. They’re the perfect in school and you may’t go incorrect utilizing them in your journey.

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