What You Need to Know Before Getting a Travel Insurance Quote
Insuring your trip is a multi-step process that starts with understanding whether your trip needs protection. The next step after that is to get a travel insurance quote that tells you how much the insurance will cost for your specific trip, and what you get with your purchase.
But what do you need to know before starting the travel insurance quoting process? There are actually five pieces of knowledge you need to have in your possession before you can get an accurate quote for your trip, either online or with a travel professional.
Did you know? Generali travel insurance quotes are instant and no obligation
What should you know about your trip before getting a travel insurance quote?
1. Do you need travel insurance?
Not every trip needs travel insurance, though most trips can benefit from the added protection and assistance travel insurance provides.
Inexpensive, spur-of-the-moment trips probably are not good candidates for travel insurance. Neither are trips without a lot of prepaid expenses – a road trip to grandma’s house, for instance – or trips where you’re sticking fairly close to home.
If your trip is not one of those types, travel insurance is probably a good idea.
2. Who is going
An important factor in determining the type of travel insurance coverage you'll get and often how much it costs. You'll generally need to know the number of people and their ages. Also read: 7 Questions to Ask to Find the Best Family Travel Insurance
3. Where you’re going
These should be easy and self-evident, but you never know.
Before you can get a travel insurance quote, you’ll need the birthdates of the people you want covered under the plan, where you’re going on your trip, and when you’ll be traveling.
If you don’t know these things about yourself and your trip, maybe you should wait a bit before getting a travel insurance quote. Bookmark our quote page and come back when you’re ready.
Also read: 7 Steps to Choose the Best Vacation
4. How much your trip costs
Now we’re moving from the basics into the important stuff. Travel-insurance premiums are based in large part on how much your trip costs. The more you know about your total trip cost – and by “trip cost,” we mean the total amount of prepaid, nonrefundable, travel expenditures, like airfare, lodging, tours, and so on – the more accurate a quote you can obtain.
5. The type of coverage you’re looking for
This is totally optional, but it never hurts to do your homework before getting a travel-insurance quote. Know the sorts of things that a travel insurance plan covers, and how it covers them. Get a feel in your head for what your ideal travel insurance plan might cover. Read reviews.
The more you know about travel insurance and how it works, the easier it will be for you to understand the information presented in a travel insurance quote. Check out our Travel Insurance 101 section to learn more.
How to Get an Instant Quote
Okay, so you have all that knowledge socked away. You’re ready to get a quote.
The process really couldn’t be simpler. When you go to the Generali website, the prompt to “Get a Quote” is prominently displayed on the home page, with fields for destination and travel dates right below. Or, just use the form below.
People often get tripped up at this point because they’re traveling to multiple countries and don’t know which country to enter as a destination.
If you’re traveling to multiple countries, it’s not terribly important which country you enter as your primary destination, unless it’s Russia, Belarus, Crimea, and the Donetsk and Luhansk People’s regions, Cuba, Iran, North Korea, Myanmar, Afghanistan or Syria -- we’re not able to provide coverage for travel to those areas (or any other OFAC sanctioned country). Just choose the destination where you will be spending the most time. Otherwise, if you’re spending a week in Spain and a week in Portugal, it’s perfectly okay to list either as your destination.
Here is an example of the fields you will need to fill out for a quote:
At this point, you hit the big red button and let the magic happen.
The magic in this case is a comparison of several options for travel insurance, their cost, coverages, services and other features.
That page will look something like this:
Each plan option gives you the opportunity to read the fine print for that plan. If you’re familiar with travel insurance, or any other form of insurance, it’s a good idea to read the plan and understand the details of what’s covered before you buy.
If you like what you see here, what comes next is easy. Select the plan that appeals to you, supply a little more information to buy the plan, and you have coverage.
What happens after that? Read up on What to Know Before you Go on a Trip with Travel Insurance or How Travel Insurance Can Help During Your Trip to learn how to get the most out of your travel protection plan.
One last thing: Quotes are non-binding, meaning you don’t have to buy the coverage after you get a quote.
So go ahead: Get a quote today, and see what a value travel insurance can be.