The travel insurance business is prospering throughout the US. From the traveler’s perspective it is the biggest boon. You have an emotional security and the prop of support to peg you up in case of any travel related unforeseen difficulty. A typical travel insurance covers risks of loss, accidents, emergency and sickness during travel but one should ensure that the travel premium is not the only thing one should take into consideration.
There are different set of variables to be insured for different trips and the plan should be chosen as per individual requirement. Based on the services, customization ability of the policies offered and certain other offers, the top US travel insurance companies are as under:
AIG TRAVEL GUARD:
With one of the best user ratings, AIG Travel Guard is a perfect combo of a reasonable premium rate and a good package of benefits offered with excellent services. Beyond 12 hours of delay the trip delay compensation and the emergency medical evacuation package is one of the highest. Also, good if you have trip by road scheduled because of the high common carrier accidental death and dismemberment cover.
CSA TRAVEL PROTECTION:
Touted as the topmost travel insurance company, CSA definitely is the costliest premium wise and the widest coverage and benefit wise. But if you really want to be hassle-free, at any time and have few extra bucks to barter your peace of mind with, CSA is the company to bank upon for travel insurance. The concierge services, the rental insurance, baggage delay, trip interruption, emergency assistance, etc are all taken care of.
JOHN HANCOCK INSURANCE AGENCY:
With the solid backing of the holding Manulife Financial Corporation, this travel insurance giant has tailor-made policy offers as per customer requirement. So, a low cost-low risk trip can be covered by the Bronze plan with economical premium rates and lower risk coverage. The silver plan is a medium range plan for short family trips. The gold plan gives the biggest coverage and also medical and flight accident options.
Being one of the pioneering travel insurance companies in the USA, it knows the public pulse. Accordingly, it has 4 clear cut plans; viz. Asset, Asset plus, Bridge and Complete. Trip cancellation up to the day of the journey for covered reasons is a great benefit including online medical record service.
This is more of a Travel Medical and Health insurance option and an excellent option if you have to cover one or more trips in a year with no risk of adventure activities.
The biggest USP of this company is the free coverage given to kids in many of its plans. Ideal for family trips, the plans have primary medical coverage and upgrade options on all plans.
If you can take cue from the name, this insurance company has the unique USP of enabling buying and changing of plans during a trip so tailor made for the nomads at heart. So suited for the adventurous with its umpteen coverage options for adventure sports. With coverage for all gadgets and gizmos, travelling becomes a safe-bet.
PROTECT YOUR BUBBLE:
If you are travelling with limited baggage and cancellation is your biggest fear in any trip, then go for Protect Your Bubble with the widest range of covered cancellation reasons that it offers.
A company with one of the best industry ratings, this company is ideal for those who want to travel with "cancel for any reason benefit". Both medical coverage and non medical evacuation are easily possible.
TRAVEL INSURED INTERNATIONAL:
Here is a travel insurance company which combines budget rates with the advantage of a top rated company's trust. Mostly all benefits are covered, specially trip cancellation.
Here are the top 10 travel insurance companies which offer a wide variety of options to choose from. The choice is as per your requirement.