- 1). Check Travelinsurancereview.net or Squaremouth.com for the licensing status of your travel insurance issuing company. If something interrupts your vacation, you can't collect on a non-licensed policy.
- 2). Check the terms of service to see if the company refers to the travel insurance as "insurance" or as a travel "protection plan." State governments regulate travel insurance plans, so your purchase enjoys legal protection, and you will receive your payment according to the terms of service. If you purchase a protection plan, you have no legal recourse except to file a complaint with the Better Business Bureau, which might not get your claim paid or your money refunded.
- 3). Review the insurance company's performance rating and overall customer satisfaction by visiting Squaremouth.com or Consumerreports.org. Third-party reviews provide buyers with objective reviews on such criteria as financial stability, credibility, comprehensiveness of coverage and overall customer service.
- 4). Review the policy's terms for exclusions due acts of God, war or uncovered emergency health issues. Acts of God might include storms, and if you travel overseas, some policies do not cover regions bordering war-torn countries. Uncovered health issues might include pre-existing conditions.
