Securing the right travel insurance is essential for protecting against unforeseen events while traveling. Common mistakes include not reading policy exclusions, neglecting coverage limits, and delaying purchase. Travelers should compare providers for high customer service ratings and consider annual plans for cost efficiency. There are criticisms regarding the industry's claim approval processes and debates about the necessity of insurance for short trips. The ideal travel insurance provider varies based on individual needs and circumstances.
Read the exclusions-many policies don't cover extreme sports or pre-existing conditions.
Check coverage limits-especially for medical emergencies and evacuation.
Buy early-coverage for trip cancellation usually starts right after purchase.
Compare providers-look for consistently high customer service ratings.
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