InsureMyTrip Travel Insurance Review (Updated 2024)

Posted: 1/14/24 | January 14th, 2024

Travel coverage delivers a essential security web versus sudden fees that might arise owing to the myriad issues that can go erroneous on the street. That incorporates almost everything from health issues and injury to canceled flights and dropped baggage to the death of a family member back again property.

I know, it is not enjoyment to consider about, but travel insurance coverage is the one most vital matter you must order prior to your vacation. It is something I strongly recommend travelers to never leave household with out (I acquire it for every single solitary a person of my visits). I have found it assistance lots of, many men and women in excess of the many years. Myself bundled.

It is a lot easier than at any time to locate a coverage that meets your desires and price range, in particular with applications out there like InsureMyTrip.

In this InsureMyTrip evaluate, I’ll go over what the business offers and the professionals and disadvantages of working with them as a assistance to use when organizing your journey.

 

What Is InsureMyTrip?

InsureMyTrip (IMT) is a journey insurance policy comparison internet site that has been aiding men and women uncover their ideal policy due to the fact 2000. To be very clear, this implies that IMT does not give any of the programs shown on its web site. It does not give any procedures or underwrite any statements. In its place, it is a market that would make it quick to find the greatest approach to meet up with your wants.

IMT lookups all policies across 20 insurance policies corporations in accordance to your research requirements, and you will only be shown policies for which you are qualified. This will save you the disappointment of searching for travel insurance plan insurance policies somewhere else, only to find that they really do not deal with your age array (or other necessities you have).

I’ll get into who IMT is best for more on in this evaluate.

How InsureMyTrip Performs

InsureMyTrip is a marketplace of 20 insurance providers. It searches all the programs presented by these vendors to find the finest prepare for you. Of course, this would consider a ton of time to do you if you checked just about every coverage independently. With IMT, it comes about in a make a difference of seconds when you fill in your trip information and build a estimate.

Furthermore, many thanks to InsureMyTrip’s Finest Options Ensure, you know that you’re only looking at plans with multiple constructive ratings and critiques from real prospects.

Here’s the info you will fill in to get a totally free quotation:

After you enter your details, you will be brought to a web site with a variety of programs. The rates demonstrated underneath are from an illustration estimate for a 42-year-previous traveler from New York likely to Thailand for two months:

This is just a snippet of three (out of lots of) prompt programs and, as you can see, the selling price varies commonly amongst them.

That is where by IMT’s comparison device comes in. Just strike the “compare” box beneath the price tag to pick and assess unique designs aspect by side.

The comparison site seems like this:

The evaluate resource can make it simple to see the specifics of unique programs side by side. This way you can conveniently see at a glance which types work for your desires and which really don’t. Eventually, only you can determine regardless of whether you want better coverage restrictions and are prepared to shell out a little bit much more for them but the comparison element would make it quick to make a decision.

Individually, I constantly advise finding at least $100,000 USD in coverage. You never want to skimp on coverage and, if a little something happens, close up hitting your limit right before the difficulty is taken care of (read this article on getting vacation insurance coverage for much more details).

No make any difference the program you finish up deciding upon, you’ll know that you are protected with IMT’s Cost Promise. This is a further feature I genuinely like, as it guarantees that you won’t obtain a reduced value for the exact same approach elsewhere. So, when you search IMT, you know you’re acquiring the most effective doable rate for that system.

If that is not ample to offer peace of mind, IMT also has a Money Again Guarantee. This suggests that you can terminate the policy all through a evaluation time period (normally up to 10 days after buy) and get a full refund as extended as you have not produced any statements yet or begun your excursion.
 

InsureMyTrip’s Ensures

As outlined over, InsureMyTrip has numerous critical assures that be certain you purchase the very best policy for your excursion. These ensures contain:

Price Assurance
InsureMyTrip’s Rate Warranty means that you won’t come across the same plan less costly wherever else. Though there are websites out there that might market reduce prices, the discounts they are presenting are not strictly legal. Insurance policies is regulated by point out, with particular guidelines all-around supplying special discounts and cheaper costs. IMT presents the absolute lowest charges even though remaining fully compliant with all this kind of polices. Really do not select a considerably less respected web-site for the sake of preserving a several bucks, as it could produce challenges for you down the line if you require to depend on that insurance.

Best Programs Ensure
IMT claims to only provide the top rated ideas on the marketplace. Using facts sourced from around 100,000 true shopper reviews, it regularly evaluates whether or not a service provider can remain a advised alternative to people. Every single critique has a score in the locations of protection, price, pleasure, and statements (if any were being filed). When you make a personalized quotation, each individual approach will have a hyperlink to testimonials, so you can read through responses from authentic customers of that system.

Funds Back again Ensure
Past but not minimum is IMT’s Dollars Back Assurance, which allows you to cancel your program throughout the evaluate interval and get your funds back. Most designs permit you terminate for a entire refund throughout this time period, however eligibility and evaluate period of time timelines do differ by plan. Some also charge a nonrefundable administrative cost to get your income back. As often, read the high-quality print right before buying to confirm eligibility. You can also arrive at out to IMT’s shopper assistance crew if you have any doubts about regardless of whether the strategy you want to order is lined by this promise.
 

Pros of Making use of InsureMyTrip

• Speedily evaluate options from 20 businesses
• Welcoming consumer care reps
• Quick-to-use internet site for quickly and no cost estimates
• Skill to personalize your system with optional insert-ons, this kind of as CFAR (Cancel for Any Explanation)
• A few guarantees for peace of mind (Finest Price, Very best Plans, Cash Back)
• Anytime Advocates® to aid if your declare gets denied by the insurance policy firm

Negatives of Using InsureMyTrip

• Does not research each individual journey insurance policies organization
• Need to have set trip dates and costs to get a quotation

 

Who Is IMT For?

InsureMyTrip is a useful market for vacationers looking to obtain a individualized insurance plan. Precisely, IMT is best for these heading on trips with set beginning and finish dates that have main preset and nonrefundable costs, as with IMT, you buy a policy dependent on your estimated trip fees. These could include spherical-trip airfare, prepaid lodging, all-inclusive family vacation packages (this kind of as cruises or resorts), or team tour packages.

This could apply to many types of vacations and tourists. Nonetheless, I specifically endorse IMT for:

• Senior travelers as they involve programs for people about 70 and most other providers do not
• Anybody who wishes insert-ons, like CFAR protection
• Cruisers (there are cruise-precise designs)

On the flip aspect, IMT is not a good solution for digital nomads or long-expression vacationers who have ongoing expenditures with no fastened conclude day and therefore won’t be capable to insure a vacation with a certain price tag. (If this is you, examine out this publish on the best vacation insurance coverage for digital nomads.)

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Journey insurance policy is a little something I hardly ever depart household devoid of. Issues can (and will) take place on the highway. Be organized by acquiring vacation insurance. It can help you save you hundreds (or hundreds) of dollars in surprising fees and give you with peace of intellect and support need to something go mistaken.

You can click in this article get a quotation.

I never, ever depart property with no vacation insurance plan. You shouldn’t both.