Planning a trip is a complicated but exciting task. You have to consider luggage, accommodations, itinerary, and much more, but you forget one important point: American travel insurance!
Travel insurance covers health emergencies, loss, cancellation, and more. It’s a way to avoid spending too much money that you didn’t plan for in case of any eventuality.
According to experts, in 2021, people spent $234 on average for trips of two to three months or 6% of the total cost. We determined that this is not too high a number and worth it when you think about it.
Approximate price of U.S. travel insurance
There are many determinants for the price of travel insurance. Some options are between 4% and 10% of the total value of the tour. By spending $5,000, your policy will be worth between $200 and $500. Don’t panic! There are lower prices.
The value will depend on the duration of the trip, the local medical care requested, the amount of coverage, and the medical conditions you have. Add age and other reasons, such as trip interruption or cancellation.
Is it easy to get travel insurance?
Although it may seem complicated, it is somewhat easy when you understand certain aspects and follow the corresponding steps. You can get a good deal through travel agencies and booking agencies; they are a great option to buy it fast and get a good recommendation.
However, travel agencies can not customize the coverage. On the other hand, credit cards usually offer trip cancellations and car rentals. Despite being free coverage, it is not so recommended because it is not personalized.
Companies specializing in travel insurance are another great option because they guarantee the personalization of the service. In addition, they are experts in the area. You may have to visit several and compare offers, but it is a great way to buy your insurance.
Insurance comparators are other sites where you can buy your American travel insurance, although you will need enough time to evaluate everything.
Tips for buying insurance properly
- Check with online insurance agencies to evaluate all available packages. Evaluate the benefits and prices of each one
- Think about the trip’s costs, and from there, decide what type of insurance you will require
- Read all the conditions of the contracts to avoid surprises
- Ask for recommendations from other clients to know how good the service will be
- Look at the types of American travel insurance to determine the most relevant
If you booked without insurance, there is still time!
You can buy your travel insurance even after making the reservation; however, the recommendation is to buy it with time to get more benefits. What do we mean? Imagine going on a trip for two months and a week before you have an accident.
In such cases, travel insurance will help you manage the cancellation to recover a large percentage of the money invested. Therefore, make the reservation well in advance.
Even if you think it is unnecessary, the definite answer is that it is. Good insurance will take care of you at all times, and you should not be afraid in case of surprises or eventualities. No doubt it.
Prepare for your trip in the best possible way, being responsible at every moment. As you can read, the investment compared to the total cost of the experience will not be too much, so don’t skimp on expenses because your safety is the main point.
Forget about choosing the cheapest option because it may not be the best. Consider all the offers and in the end, make the decision based on your needs only. We have no better advice than this!