Independent Guide
Travel Insurance Made Simple
Understand what is covered, compare policy types, and prepare for claims before you leave. No sales pitches—just clear guidance.
Tip: Prices vary by age, trip cost, and destination. Compare multiple quotes and read the policy wording carefully before purchase.
Quick Quote Checklist
- Trip cost, dates, destinations
- Traveler ages and residency
- Medical history and activities
- Pre existing waiver timeline
- Cancel for any reason availability
Popular Guides
Emergency Medical Coverage
What counts as an emergency, typical limits, exclusions, and how to avoid surprise bills abroad.
Pre Existing Conditions
Lookback periods, stability clauses, and options for getting a waiver when available.
How to File a Claim
Documents you need, timelines that matter, and how to reduce back and forth.
Plan Types
| Plan Type | Best For | Typical Limits | Key Notes |
|---|---|---|---|
| Single Trip | One off vacations | Medical 50k–250k, Trip Cost up to 100% | Most popular option |
| Annual Multi Trip | Frequent travelers | Per trip day caps | Good if you take 3+ trips per year |
| Backpacker | Long adventures | Flex dates, gear cover | Mind activity exclusions |
| Student | Study abroad | Medical + evacuation focused | Check school requirements |
| Family | Parents with kids | Family pricing | Compare per person vs family caps |
Before You Buy
- Compare at least three providers.
- Read the exclusions and definitions section.
- Check your credit card benefits to avoid overlaps.
- Keep receipts and medical notes from day one.