Remember what George Carlin said about travel danger? “If black boxes survive air crashes, why don't they make the whole plane out of that stuff?” Well, they don’t, which is part of the reason that a travel insurance industry exists. The TravelSafe Vacation Plan from TravelSafe Insurance is the best travel insurance in our review. It costs more than comparable policies from competitors but provides more generous benefits in most categories.
The TravelSafe Vacation Plan’s most obvious advantage is its satisfaction guarantee. Subscribers may cancel for a full refund prior to the trip and within 10 days of purchase. Note that the TravelSafe policy is not available for trips that cost more than $100,000 or for people who are older than 110.
Each travel insurance policy makes tradeoffs that potential clients should understand prior to purchasing. For example, even though we consider the TravelSafe Vacation Plan best overall, when it comes to common carrier accidental death and dismemberment benefits, this travel insurance policy is not as good as the products that we examined from CSA Travel Protection, Global Travel Shield or HTH Worldwide.
However, if you are most concerned about travel insurance benefits for missed connections or lost baggage, this policy beats all of the competition.
If your main concern is to be insured against the expenses of an emergency medical evacuation involving transportation from some out-of-the way location back to your home country, the TravelSafe Vacation Plan benefit of $1,000,000 is four times that of its closest competitor, CSA Travel Protection, Custom. As you can see, comparably priced products are highly variable. We offer these reviews so that you can determine which travel insurance policy is strong in the category where you need it to be strong.
TravelSafe Vacation Plan travel insurance will reimburse the insured for unused, non-refundable prepaid expenses when the planned trip is prevented from getting off the ground as a result of death, injury or sickness. It is also possible to purchase an option to cancel for any reason whatsoever if the following three conditions are met:
- Payment for the option must occur within 15 days of initial trip insurance payment or deposit
- Travel insurance policy must completely cover all prepaid travel arrangements
- Trip cancelations must happen at least 48 hours prior to scheduled departure
Once the trip has started, if it is interrupted, the travel insurance policy pays 150 percent of any unused, non-refundable prepaid expenses. Qualifying trip interruptions include a covered injury or sickness on the part of the insured or the insured’s traveling companion, family member or business partner. Some other covered reasons include:
- Bankruptcy or default of a common carrier
- Court summons or jury duty
- Destruction of principal residence or place of business as a result of various disasters
- Documented theft of passports or visas
- Felonious assault
- Quarantine
- Terrorist incident
- Traffic accident
- Unannounced strike, inclement weather or mechanical failure that stops common carriers for at least 12 hours
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