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What's the Best Trip Insurance Plan for Holiday Travel?

  • Clay Coomer
Oct 15, 2015


It's that time of the year

Time to start planning holiday travel. Whether you're traveling within the U.S. or internationally, does your health insurance cover you in other states or countries?

Read more: >> Does My Health Insurance Follow Me When I Travel? <<

If you don't feel like scouring through your insurance provider's archaic website for the answer, the easiest thing you could do is protect your trip with travel insurance. But the question is: what's the best plan for holiday travel, specifically?

We can help. Here's a rundown of which plan will be best regardless if you're traveling alone or with your family. Heck, I'll even throw in a couple coverage options for your family members who are traveling to the U.S. from another country.

The best plan for traveling within the U.S.

When traveling inside the U.S. (which the majority of you will be doing during the holiday season) there are two primary questions we ask:

  1. Does your health insurance cover you in other states?
  2. If your trip gets cancelled, is it important for you to recoup those non-refundable costs?
If your answer to the first question is anything but yes, you should purchase travel insurance. If your answer to the second question IS yes, you should purchase travel insurance. Here's the plan we could suggest:

RoundTrip®Elite

RoundTrip has different coverage plans but we are singling out RoundTrip®Elite for one reason: CFAR - Cancel For Any Reason. This is an optional benefit but when planning holiday travel it is an important one to select. Why? You never know what types of weird things can happen. Flights aren't cheap during the holiday season and in the event you have to cancel your trip, make sure you (and your wallet) are protected.

The best plan for international travel

In the event that you're traveling internationally during the holidays, the type of plan you'll want will largely depend on your needs. The RoundTrip® Elite option listed above is a good one but here's another one for you to consider:

Liaison® International

If you aren't overly concerned about your trip being cancelled, this is the ideal plan for you. This will likely be the case if you yourself did not actually pay for the trip.

>> Click here if you'd like to review a couple other international travel insurance options. <<


The best plans if you ONLY need medical coverage

If your traveling internationally, any of the Liaison travel medical insurance plans will be best for you and your family. The three plans are: Liaison® International (listed above), Liaison® Continent, and Liaison® Majestic.


Each plan includes the following:

  • Medical Expenses
  • Medical Evacuation
  • Pre-Existing Condition Coverage (for U.S. residents only)
  • Injuries Related to an Act of Terrorism
Please note: there is pre-existing coverage for non-U.S. citizens. It's called Acute Onset of pre-existing conditions.

>> Click here to learn more about all Liaison plans. <<

 


 

The best plans for your relatives traveling to see you

If you have family members who reside in a different country and are coming to see you in the U.S. during the holidays, it would be wise of you to insure them while they're here. Not to add an element of confusion here but it all depends if you want scheduled benefits or comprehensive benefits.

Here's a break down of the difference between the two:
Scheduled vs. Comprehensive benefits.

Scheduled Benefits: Inbound® Guest, Choice, or Immigrant

As stated above, scheduled benefit plans are typically less expensive up front. However, in the event that your guest(s) need medical attention, more costs may be absorbed later in the process.

Comprehensive Benefits: Liaison® International, Continent, or Majestic

Sorry to keep beating a dead horse but as it turns out, Liaison plans are also a great option for your non-U.S. citizen relatives or friends. This family of products offers comprehensive benefit plans which (per the above chart) cost a little more up front but offer great coverage in the event of a medical situation.

May your travels be merry and bright

Regardless if you insure your holiday travel or not, there's no question that logistics can be stressful. As a fellow holiday traveler myself, I know all to well the difficulties of getting from point A to point B. I hope your traveling experience is a smooth one this 2015 holiday season!

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