Travel Insurance

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Why Do I Need Travel Insurance

Travel can represent financial risk. No matter your destination, there’s always a chance you could face an unanticipated cancellation, interruption, travel mishap, or health emergency.

Travel insurance is designed for scenarios like these. The right coverage can provide you with financial compensation, access to quality healthcare, and travel assistance to guide you through the unexpected and help ease your stress.

Key Takeaways

  • Travel insurance covers much more than your home itself
  • Comparing quotes is the best way to find the right policy
  • It is not required by law to have homeowners insurance but those with a mortgage must enroll in a policy
  • Rates vary by individual factors, but homeowners insurance premiums can cost in excess of $2,000 per year

OLInsure Plans and Coverages

Wherever you’re headed, one of our OLInsure travel insurance plans has just what you need to help protect your travel investment. Take a look at our most popular plans below and customize the option that best fits your needs, or compare our plans side-by-side.

  • Deluxe Plan: The OLInsure Deluxe plan is our best travel insurance plan with the most coverages, global travel assistance and access to 24/7 emergency travel assistance services.
  • Preferred Plan: Travel easy with our comprehensive travel insurance, the OLInsure Preferred Plan. With new and expanded coverage, this plan is the perfect travel companion.
  • Essential Plan: The OLInsure Essential plan is our budget-friendly travel insurance plan. This plan is perfect for business travel and domestic travel with basic coverage amounts.
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Why Choose OlInsure

Travel insurance is a type of insurance that is custom-made for people going on domestic and international travels. It addresses the various risks that one may face during travels, including hospitalization, medical expenses, loss of luggage or documents, cancellation or disruption of flights, and various other costs.

1 Best Travel Insurance

AIG Travel was awarded top honors by Forbes Advisor in their Best Travel Insurance Companies list for consumers. Out of 15 travel insurance companies ranked by the financial news outlet, AIG Travel came in first, based on a rigorous, data-driven methodology.

2 Online Quotes & Coverage

Is your trip coming up quickly? Interested in getting a quote? With our online product comparison tool, just answer a few questions about your trip and we will provide you with a quote for our most popular plans.

3 24 Hour Concierge Assistance

We make sure our customers receive not only superior trip insurance coverage but also a lifeline when away from home. Next time there is an emergency or delay, we can help you find a new flight. Expenses incurred from third-party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler.

When, Where And How To Choose Travel Insurance?

Purchasing a travel insurance policy requires a lot of thought and consideration. To help you with your decision, here’s a look at some important factors you must consider before choosing a travel insurance policy:

  • Destination: Your travel insurance policy will depend largely on your destination. For starters, you must decide whether you’re travelling internationally or domestically. Based on this, you can narrow down your options. If you’re travelling internationally, it’s important that you check the travel insurance requirement of various countries. For example, certain countries will not issue you a travel visa unless you can show that you have sufficient cover in your travel insurance policy.
  • Travel Frequency The kind of travel insurance policy you buy will depend on how often you intend to travel. If you travel very frequently, a multi-trip travel insurance plan might be ideal for you. These plans allow you to enjoy multiple trips without you having to apply for a new travel insurance policy each time. On the other hand, if you only travel once in a while, then a single trip travel insurance policy might be better for you. You can easily apply for your travel insurance policy online and have it issued without the need for a pre-policy check-up.
  • Duration Of The Trip: While picking a travel insurance plan, you must keep the length of your trip in mind. It’s a good idea to pick a travel insurance policy of a duration that slightly exceeds your actual trip dates. Ideally, you should be able to find a plan that offers cover for more days without it affecting your premium. This way, if you have to extend your trip for a few days, you don’t risk losing your cover.
  • People Travelling: If you’re travelling alone, you can purchase a travel insurance policy just for yourself without any worries. If you’re travelling with your family, you should add each member to your insurance policy. Make sure you tell us how many of you are travelling before you purchase the policy and we’ll do the needful. This makes it much easier for you to keep track of everybody’s paperwork.
  • Claim Limit: This is possibly one of the most important factors that will influence your decision. Every travel insurance policy has a limit as to how much they will pay for various claims. For example, you will receive a specified sum in case your bags are lost or stolen. Even in medical emergencies, you must keep your sum insured amount and claim limit in mind. If you have a low claim limit, it may not be enough to take care of all kinds of medical emergencies while you’re travelling. Depending on where you’re going and how long you’re travelling for, you should pick a suitable sum insured for your travel insurance policy. A higher sum insured will lead to a higher premium, but it will come in handy if you require to file a claim while you’re travelling.
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