Get Travel Insurance
Complete step-by-step checklist to get travel insurance covering check if travel insurance is required and identify coverage needs, and essential action items.
Check if travel insurance is required
Verify if your destination or visa requires mandatory travel insurance coverage
Identify coverage needs
Determine what coverage you need: medical, trip cancellation, baggage loss, or emergency evacuation
Compare insurance providers
Research multiple companies, check reviews, and compare plans for best value
Check coverage limits
Review maximum coverage amounts for medical expenses, trip cancellation, and baggage
Verify medical coverage amount
Ensure coverage is sufficient (usually $50,000-$100,000 for international travel)
Check pre-existing condition coverage
Declare any pre-existing medical conditions and check if they are covered
Review adventure activities coverage
Check if activities like skiing, scuba diving, or hiking are covered if planned
Check trip cancellation coverage
Understand coverage for trip cancellations due to illness, emergencies, or natural disasters
Check baggage and personal item coverage
Review coverage for lost, stolen, or delayed baggage and personal items
Understand deductible amount
Know the excess or deductible amount you need to pay before insurance kicks in
Check 24/7 emergency support availability
Confirm insurance offers 24/7 emergency assistance hotline for medical or travel help
Enter accurate traveler details
Provide correct names, ages, travel dates, and destination for all travelers
Purchase insurance well before travel
Buy insurance as early as possible; some benefits start from the purchase date
Save policy documents and emergency numbers
Download, print, and save policy number, coverage details, and emergency contact numbers
Add insurance to travel document folder
Keep insurance document with passport, tickets, and other travel documents
Share insurance details with family
Share policy number and emergency contact with family or friends back home