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How to pick between the airline and independent travel insurance. It’s easy to buy travel insurance from an airline when you book your flights for a trip. But do the pros really outweigh the cons?
If you decide to go that route, make sure you know what you’re paying for. It might seem easier to stick with the same airline for insurance, but that might not be the best choice for your purse or your peace of mind in the long run. Most travellers, especially those going abroad, choose all-inclusive plans to make sure they have everything they need.
With a site like Squaremouth, you can compare dozens of travel insurance plans with the click of a button. The process is just as simple, and you can compare prices and benefits in one window to find the best price and coverage.
Most airlines sell travel insurance plans and try to get their customers to buy them from them. Some companies give you the option to add a plan during checkout, while others may require you to scroll to the bottom of the page or look for coverage on their website.
Airlines often work with reputable partners to offer single-trip and annual plans. On their websites, they note that these plans come from a third party and not the company itself. Some of the others also sell insurance plans that go with specific holiday packages. Each of these plans and packages is different depending on the airline and your personal information. You should check with the airline to see if you can get any special offers or discounts as a valued member.
Even though it’s easy to get travel insurance through the airline you booked with, it’s important to know how important it is to shop around. Squaremouth says the best way to make sure you get the best deal is to compare plans and prices from different providers.
What to be aware of
If you do decide to get insurance through an airline, Clark says to “keep an eye out for possible red flags in the policies they give you.”
Here are two things to think about carefully:
Squaremouth says that the cost of travel insurance should be between 5% and 10% of the total cost of your trip. If you see prices that are higher than that, you might want to rethink the plan.
Coverage: Pay close attention to the type of coverage you’re getting. You want to make sure your money goes as far as it can.
For example, medical coverage is very important if you’re going abroad because your health insurance, whether it’s through the government or a private company, probably won’t cover you there. Clark says that if a person is going abroad, their travel insurance should cover at least $50,000 in medical emergencies and $100,000 in medical evacuations. You should also look over your plan to see if it has any extra perks, like coverage for delays and lost luggage.
In the end, the more you know and the more options you have, the better. Even if you decide to buy from your airline, you might want to check if you can get the same benefits for less on a marketplace like Squaremouth by entering your traveller and trip information.
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