1. Keep the trip inputs the same
Use the same travelers, ages, state of residence, trip dates, destinations and prepaid nonrefundable trip cost for every quote. A lower price is not a fair comparison if the underlying trip inputs changed.
2. Compare policy structure before price
| Dimension | Questions to ask |
|---|---|
| Cancellation & interruption | Which reasons are covered? What trip cost is insured? Are there optional flexibility benefits? |
| Medical & evacuation | What are the limits, deductible or cost-sharing rules, assistance requirements, exclusions and transport conditions? |
| Pre-existing conditions | How is the term defined? Is a waiver available? What purchase and eligibility conditions apply? |
| Delay & missed connection | What waiting periods, carrier requirements, expense limits and connection rules apply? |
| Baggage & valuables | What item sublimits, exclusions, depreciation rules and proof-of-loss requirements apply? |
| Claims | What notices, receipts, medical records, carrier statements or supplier refund records are required? |
3. Verify time-sensitive benefits
Some benefits depend on when coverage is purchased, when the first trip payment was made, whether the full eligible trip cost was insured, or whether a traveler met other conditions. Check the current certificate rather than relying on a general rule.
4. Use provider pages as worksheets, not rankings
Provider pages identify current official starting points and brand-specific questions to verify. My Travel Cover does not assign star ratings or claim that one company is best for every traveler without a documented data set and methodology that supports that conclusion.
5. Record what changed between quotes
If one policy costs less, note whether the difference comes from medical limits, evacuation, cancellation scope, deductibles, baggage limits, optional benefits, state-specific forms, or other exclusions. Price alone does not explain value.