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Best Travel Insurance

Best Travel Insurance




We've always bought out travel insurance through VRBO but this year we are renting privately. Could anyone give me a good travel insurance that they have experience with ? I am mostly interested in coverage in case of a hurricane. Maybe I don't need to worry about it, we are renting first week in July but I've always just had it just in case. Perhaps, however, it's not worth it as it seems they don't all pay for a hurricane anyway ? Thoughts appreciated by those that have experienced it. Thank you -


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RE: Best Travel Insurance




We had Red sky and were forced to leave HI for the uneventful Maria situation . Filed that week for refund and still have not received it .


RE: Best Travel Insurance




The odds of a hurricane causing an evacuation in the first week of July are very low.

Pretty much any comprehensive travel insurance policy will cover a mandatory evacuation caused by a hurricane, so you should be fine to shop on price. I'd review the options at InsureMyTrip.com - they offer a wide-array of policies with all sorts of different coverage parameters. Again, since your goal is storm coverage, don't pay extra for coverage you don't care about. A more expensive policy isn't going to get you "better" storm coverage.

Also, check the policies you are considering, but since you're primarily concerned about weather related events, you can usually wait and buy insurance at the last minute if you think it's going to be necessary. For most policies, the only requirement is that you purchase the insurance before the storm is named. Named storms don't normally pop-up without ample warning, so if you see a Tropical Depression or Potential Tropical Cyclone being tracked by the National Hurricane Center in the week before your vacation, then you can consider taking a flier on the insurance.

I vacation in mid/late August and usually end up buying the insurance, though, knock on wood, I've never needed to use it.


RE: Best Travel Insurance




Thomas - good advice. Thanks for the suggestion to wait. We are usually in Rodanthe in August so I've always purchased but this might be a year I don't. Of course, if I don't you know I'll need it :-)


RE: Best Travel Insurance




Thomas - good advice. Thanks for the suggestion to wait. We are usually in Rodanthe in August so I've always purchased but this might be a year I don't. Of course, if I don't you know I'll need it :-)


RE: Best Travel Insurance




It's not uncommon to wait 6 weeks for a insurance refund.
Comparative shop, www.insuremytrip.com

I've had red sky and another, whose name escapes me, in the past,and had no problems with either

www.insuremytrip.com


RE: Best Travel Insurance




The odds of a hurricane causing an evacuation in the first week of July are very low.


Arthur, 2014.


RE: Best Travel Insurance




Note that some of the higher-end credit cards offer travel insurance as a perk.


RE: Best Travel Insurance




Filed a claim for the first time with Red Sky on 9/27/17, during the Maria evacuation for the three days I had to leave the rental house. The claim was just approved last week. I called Red Sky yesterday, and the rep told me it was approved and that a check would be mailed to me tomorrow (today), and I should receive it in about a week. I confirmed, "So, the check will definitely go out tomorrow?" He replied, "Yes, tomorrow.... or maybe Wednesday." Hmmm, we'll see. At least I know I'm getting a check, which will go toward my next rental.


RE: Best Travel Insurance




Note that some of the higher-end credit cards offer travel insurance as a perk.


^^ This. I always declined travel insurance and just recently found out that I was covered by my CC.


RE: Best Travel Insurance




Someone just told me recently they went thru their own personal insurance to cover their vacation. I've not checked into that so not sure.


RE: Best Travel Insurance




We had to leave early due to the mandatory evacuation for hurricane Maria. We filed at the end of that week and received our check from Red Sky 2 weeks ago.


RE: Best Travel Insurance




Update: I received my check from Red Sky yesterday. They actually reimbursed me for five nights, when I was only out of the house for three nights. Definitely worth the wait!


RE: Best Travel Insurance




We had April Travel Protection through Outer Beaches. I mailed my claim form just a few days after being evacuated in September and was told today that I shouldn't look for a check until at least the second week of December.