TripAssure

The insuremytrip.com website made it very easy to obtain the insurance that I wanted. The policy I ultimately selected was written in plain English and was understandable, unlike some other policies I have read. The only suggestion I would make is to allow for customizable insurance amounts. IOW, I would like to be able to select the dollar amount I want covered as opposed to entering in the full cost of the trip. The policy I chose allowed you to enter a lower dollar amount with the understanding that they would provide coverage only up to that amount. Other policies were not that flexible and required that you insure the full cost of the trip otherwise they could reject any claim. The problem for me was that my full trip amount was $2066 and there was a substantial increase in premium once the coverage exceeded $2000. It appears that insurers base the premium on a grid basis. IOW, the premium is $X dollars if the insured amount is between $1,000 and $2,000, and then it increases substantially if the trip amount is from $2,001 to say, $3,000. So, an extra one dollar of coverage (from $2,000 to $2,001) can increase the premium a lot. At least that is what seemed to occur with my trip. So I just entered an amount slightly lesser than the full cost of my trip and obtained a premium that was about 50% less. I would recommend that a premium calculation formula be used based on the actual dollar value of the trip for all insurers.

I was not seeking coverage for trip cancellation etc but rather just medical coverage in the event I needed emergency care while in Aruba. The coverage I chose did just that and the cost was reasonable. Excellent company; excellent choices.

My family’s trip was trouble free. I had no need to file a claim. But the insurance I bought from insuremytrip was priced reasonably and provided peace of mind.