Do not buy travel insurance on price alone Compare policies Understand what is, and what is not, covered.
There was never a question of going without it, as young reckless Rob did a quarter of a century ago to South America.
I consider travel insurance to be an ordinary, and necessary, cost to factor into travel budgeting.
I didn’t choose my policy on price alone. I’m not interested in saving $10 or $20, if it means buying a bargain-basement policy with limited cover.
When shopping for a policy, you’re looking to understand what each policy covers you for, and what it does not.
I tend to focus on coverage for the really big stuff, the medical and evacuation.
It’s hard not to read policies with an eye on the moment.
For example, Britain’s been rocked by a string of terrorist attacks, so I was attentive to whether claims caused by terrorism were excluded from policies.
The one I bought excludes
‘‘I'm not interested in saving $10 or $20 on a policy if it means buying a bargain-basement policy.’’
terrorism-related claims for personal expenses, and travel disruption, but not medical and evacuation.
I also had in mind that poor student sent home in a coma to die after being detained by North