Choosing Travel Insurance That Actually Covers Your Risks

To get coverage that works, prioritize policies with primary medical coverage and specific 'Cancel For Any Reason' (CFAR) riders. Focus on high medical limits and preexisting condition waivers rather than looking for the cheapest premium.

1. Check your existing health insurance. Call your current health provider. Most US-based plans do not cover you internationally. If yours does, ask for the specific process for 'out-of-network' claims abroad; if it doesn't, you need a policy with at least $100,000 in emergency medical coverage.
2. Define your specific needs. Determine if you are at risk for trip cancellation (prepaid non-refundable bookings), medical evacuation (remote destinations), or gear loss (expensive camera equipment). Do not buy a generic 'all-in-one' without checking if your specific hobby—like scuba diving or skiing—is excluded.
3. Read the 'Exclusions' page first. Skip the marketing language and go straight to the document labeled 'Certificate of Insurance.' Look at the Exclusions section. If you have a history of heart issues or diabetes, ensure your plan includes a 'Pre-existing Condition Waiver' purchased within 14-21 days of your initial trip deposit.
4. Compare policies on a neutral site. Use a comparison engine like InsureMyTrip or SquareMouth. These sites allow you to filter by specific requirements like 'Primary Coverage' (pays first) versus 'Secondary Coverage' (requires you to bill your health insurance first).
5. Store your policy digitally. Save the 24/7 emergency assistance phone number and your policy number as a contact in your phone. Keep a digital PDF of the full policy in an offline folder like Google Drive or iCloud so you can access it without Wi-Fi.

Does my credit card insurance cover me?

Often, yes, but it is usually 'secondary' coverage. It only kicks in after other insurance is exhausted, and it rarely includes adequate medical evacuation or comprehensive medical expenses.

What is the difference between primary and secondary medical coverage?

Primary coverage means the travel insurer pays your bills directly, regardless of other insurance. Secondary means you must file a claim with your home health insurer first, wait for a denial or partial payment, then file the remainder with the travel insurer.

What if I get sick while traveling?

Call the emergency assistance number provided by your insurer immediately. They can often authorize payments directly to the hospital so you aren't stuck paying thousands of dollars out of pocket.