Although most travel insurance policies have similar coverage options, there are slight differences that can have a big impact when you find yourself overseas and in a bind. Avoid the pitfalls of unrecoverable luggage and foreign medical bills by learning what to look for and which travel insurance plan suits you before you set foot on the plane.

Adaptability to Your Needs
If you're traveling within your own country, chances are you'll be much more likely to use a policy that helps you recover your lost luggage 24-7 than a policy that provides emergency health care. The reverse is true if you plan to go over the Sahara desert on the back of a camel. Find a policy that offers coverage options based on what you need for your specific itinerary.

Reasonable Restrictions
If you're planning on hitting the Northern Atlantic in spring or South East Asia in the fall, you might be limited by weather restrictions like hurricanes and tsunamis. In addition, some kinds of activities - such as extreme sports - might not be covered by a traditional travel insurance plan. These types of restrictions are commonplace and can be found across providers. If anything seems extraordinarily restricting to you, you may want to look and see if other providers are doing the same.

Different Prices for Different Regions
Travel insurance premiums for different countries are not proportionate to the level of risk. Contrary to what seems like common sense, travel to the United States and Canada presents a greater financial risk due to the increased probability of a lawsuit made against you, and the increased cost of travel medical services. Even if you're just passing through these types of countries, you want to ensure you have a policy that takes this into account. Be suspicious of any policy that offers a one-size-fits-all approach to premium costs.

Personalized Assistance
Things like luggage assistance and a 24-hour call service might seem extravagant when it comes to travel insurance, but these small touches are the kinds of things which make travel insurance worthwhile. Being in a foreign country - especially if something has gone wrong - can be an incredibly frightening experience. When you choose travel insurance online, you need a provider who will be there for you for the small things as well as the big ones, you are really getting your money's worth.

Annual Policy Options
Although most people buy travel insurance on a per-trip basis, it is available over longer periods of time. For individuals who travel frequently or who intend to spend a large chunk of time away doing missionary work, it can be much cheaper to consider an annual policy. Your provider should have this option.

Choose an Insurance Provider You Trust

Chances are pretty good that nothing catastrophic will happen on your travels. However, in the event that something does occur, you want to have an insurance provider you trust to get you to safety as well as to provide whatever financial reparations may be due. Above all else, when choosing which travel insurance provider to proceed with, make sure you are happy with the overall level of service coming your way.

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