can you get 2 travel insurance policies

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Can I Buy More Than One Travel Insurance Policy for the Same Trip?

Last Updated: December 20, 2012 July 15, 2024

Heading into a trip, you can never be too cautious. Getting travel insurance coverage is the best way to protect against unforeseen events impacting your trip and limit out-of-pocket costs. While most of the time one comprehensive plan is enough, there are times when more than one policy makes sense.

Am I Allowed More Than One Travel Insurance Policy For A Trip?

Yes, it is possible, and sometimes smart, to purchase multiple travel insurance policies for the same trip. If you find that an existing policy you have does not offer enough coverage for your upcoming vacation, you may purchase additional coverage for greater peace of mind.

This can happen both accidentally, when a traveler unknowingly purchases an additional policy, or intentionally, when a traveler feels the amount of coverage offered in an existing policy is not suffice.

If you’re considering purchasing a second travel insurance plan for your trip, there are a few restrictions to keep in mind.

Policies Must be From Different Providers

If the benefits available in one policy do not satisfy your needs, you can purchase an additional policy for further travel protection. However, the policies must be from different travel insurance providers . If you want improved coverage from your current provider, you can likely contact them directly to make adjustments to your coverage before you depart for your trip.

Claims May Only Be Paid Out Once

The most important thing to remember when purchasing multiple policies is that travelers can’t “double dip.” In other words, purchasing multiple policies for the same trip doesn’t mean travelers can receive multiple payouts for the same insurance claim .

Why Would You Travel With Dual Insurance Policies?

There are a host of reasons why you may travel with more than one trip protection plans. We dive into the two most common examples of why you may end up with multiple policies for your trip.

To Get More Coverage For Your Trip

A common reason why you may purchase additional coverage for your trip is because your existing policy doesn’t offer adequate protection. If this happens, you have three options; try and get a refund from your insurance provider, take your trip with below-average coverage, or purchase a separate policy that compliments your existing plan.

This scenario typically occurs when you purchase an insurance plan through a travel supplier, such as a cruise line, airline , or tour operator. While policies sold through these suppliers are often legitimate, they often offer low coverage limits at high premiums.

If you feel the need to purchase an additional travel insurance policy for your trip, make sure to consider the following:

Benefits: Make sure that the policy you are considering fills in the coverage gaps found in your existing plan. By the time you travel, your coverage should include benefits such as Trip Cancellation , Trip Interruption , and Travel Delay .
Coverage Limits: The best travel insurance plans will offer high coverage for common travel disruptions. If you’re traveling internationally, make sure you have at least $50,000 in Emergency Medical coverage, and $100,000 in Medical Evacuation coverage.
Premiums: We only recommend doubling up in insurance if it fits your budget. Limit how much you spend on a second policy by only focusing on the coverage your existing plan doesn’t provide.

Purchasing Multiple Plans By Accident

Mistakes can happen when planning a trip, from booking flights for the wrong dates to booking a hotel in Paris, TX instead of Paris, France. Luckily, traveling with too much insurance won’t make or break your trip.

Below are a few scenarios that may arise that could lead to dual travel insurance:

Forgetting You Already Have Coverage: A lot of times, travelers purchase their insurance months in advance. There’s always a chance that your purchase slips your mind, and you end up buying a new policy without realizing you have existing coverage.
Covered Under Someone Else’s Plan: A single-trip plans can cover up to 10 travelers. Be sure to communicate with your travel party when buying insurance to make sure you don’t duplicate coverage for your group.
Already Covered by Annual Travel Insurance: An annual travel insurance plan is a type of policy that covers individuals for an entire year starting from their purchase date. It’s possible for that plan to fall to the back of your mind, and purchase an additional plan by accident.
Have Existing Coverage Through a Credit Card: Many travel credit cards now have strong insurance benefits. If you have a card, see what benefits it can provide as it may offer enough protection for your trip.

If you end up purchasing a plan you don’t need, there’s a chance you can “return” the policy and get a full refund. Every travel insurance plan listed on Squaremouth has a Money Back Guarantee period. During this time frame, typically 10-14 days, you can cancel your policy and get 100% of your premium back.

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Can You Have Multiple Travel Insurance Policies For The Same Trip?

by Steve Dasseos on April 25, 2008

My sister and I put a deposit on a cruise last Feb 2007, to depart in September 2008. We purchased the insurance at that time with the travel agent, for the cruise portion of the vacation. We are now purchasing our air fare and hotel for a pre cruise stay. Can we now get additional insurance through you for just the air and hotel portion, and keep the cruise portion with the other carrier? The final payment for the cruise is due June 18. Thanks, Linda

Yes Linda, you can insure any part of your trip cost with one of our plans. And you can get the plan anytime, even if you’re past your final payment.

The only part of this scenario you should keep in mind is if you end up having a medical claim. It’s likely the cruise line’s plan has Secondary medical coverage. Secondary’s not better or worse than Primary. It just refers to the order in which a claim is paid.

Therefore, if you end up getting another travel insurance plan, you must take care not to submit the same medical claim to both companies separately. I’ve seen people do this because they assumed that’s what they are supposed to do. The problem with submitting the same medical claim to both companies separately is that it has the appearance of committing medical claim fraud. It’s also known as “double dipping”.

In none of the cases I’m referring to, was “double dipping” ever the customer’s intention. However, in those cases it became known to both companies’ claim departments and it created a lot of unnecessary paperwork to get those claims paid.

PS – It’s not just “double dipping” on medical claims you have to watch out for. You have take care not to submit the same claim to both companies separately on any of the coverages where the policies overlap.

PPS (added Oct 13, 2017) – In the 9 and 1/2 years since I wrote this, some companies are now asking “Do you have other travel insurance that covers this trip?” If you see that, and you have more than one travel insurance policy that covers what you are making the claim for, then you need to say yes.

I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we'll help you figure it all out.

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Multiple Policies - Travel Insurance Hack

Q: can i have multiple insurance policies what are the benefits can i claim on two policies, what is dual insurance.

Dual insurance occurs when someone has more than one travel insurance policy that covers the same events. This sometimes happens to travellers accidentally, as they may have multiple policies after they buy a travel insurance policy when they already have annual coverage included in their credit card , or as an intentional purchase to try to beat the system…

Why buy multiple insurance policies?

Sometimes your existing policy doesn’t have the level of cover you’d like, may be subject to exclusions or bans, or lacks add-ons like cruise or skiing cover. So some savvy travellers are buying extra coverage – a small price now that could save you thousands later.

For example, with the November 2017 eruption of Mt Agung in Bali, most travel insurers imposed cover bans for any Mt Agung-related disruptions. While some travellers were waiting for bans to be lifted (a risk which might leave you out of pocket if you find you must cancel your trip) others were buying when news of the volcanic activity broke, and purchasing a second one once the ban was lifted.

Case study: Mt Agung, Bali 2017

Daniel and Hannah are a couple in their 30s with two kids, and have just booked their flights to Bali.

If they buy travel insurance while the bans are in place: They might not be covered for Mt Agung-related disruptions in six months’ time even if their insurer lifts the ban next week – the bans may still apply to older policies, depending on the insurer.

If they don’t buy cover and wait for the bans to lift: Unfortunately, there are no hard and fast rules to know when insurers will decide to list their exclusions – they could be lifted in a few weeks, a few months, or a few years from! Meanwhile, if Hannah’s mum falls ill, or Daniel breaks his leg and they need to cancel before they buy cover, they are potentially thousands of dollars out of pocket for flights and accommodation.

If they buy cover while the bans are in place, and buy a second policy if the bans are lifted: They’re covered before their trip in case of cancellation or rescheduling. And if the bans are lifted, they can purchase a second policy (from the same company or a different insurer) which will then cover for any future Mt Agung-related disruptions whether it be in a week, six weeks or six months. If the activity of the volcano increases, and the bans are reinstated, they’d still be protected by their second policy.

Can I claim on both policies and make a profit?

While that’d be nice, the answer is of course a big no. Insurance is about compensating insured people and returning them to where they were before the loss. Under insurance law, you can’t claim against both policies and get back more than you lost.

When trying to claim their expenses, Daniel and Hannah lodged a claim with both their insurers and disclosed that they had multiple policies. One insurer may pay it out in full, or they will split it between them.

The Product Disclosure Statement (PDS) for your policy will generally state that if you successfully claim compensation from another source, your insurer will only pay you back the difference. Applying for more than 100% of the value would be considered fraudulent.

Hopefully these have answered a few of your questions. Please email us if you have any additional questions you need answered, or a hot travel hack you'd like to share!

Are you ready to start comparing travel insurance ?

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Having travelled to over 40 countries, studied tourism management and worked as a flight attendant for over three years, Natalie knows more than a thing or two about travel! She’s an adventure-lover, whose favourite trips have been trekking Machu Picchu and volunteering in an animal shelter in the Amazon. Qualified in Tier 2 General Insurance General Advice and specialising in travel insurance for the last five years, she in passionate about helping travellers get the most out of their holiday.

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Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. Get free travel insurance quotes from Australia’s most trusted brands in just one search, including 1Cover, Fast Cover Travel Insurance, InsureandGo, Ski-Insurance, Travel Insurance Saver, Tick, Zoom Travel Insurance. Compare online and save today! The directors and shareholders are common with companies Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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Can you have multiple travel insurance policies?

Yes. if your credit card's travel insurance doesn't go far enough, you can take out a second policy..

In this guide

Find travel insurance that offers more than your credit card does

When might you need more than one travel insurance policy, can i receive cover from both travel insurance policies, disclosing other insurance in the event of a claim.

What happens if I don’t disclose both policies?

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Key takeaways

You can have two travel insurance policies and be covered by them both.
However, you cannot receive double the payout – each insurer will only pay their share of the claim.
Both insurers can share the cost of covering the claim, but are not required to pay out 100% of that claim.

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Finder survey: Have Australians lied on their travel insurance policy?

In many cases, credit card travel insurance benefits are low, the excess is high and you can't get cover for pre-existing conditions. If that describes your card's insurance, there's nothing stopping you from getting an additional standalone policy, which will usually offer better cover and more flexibility. You may want multiple travel insurance policies in the following cases:

If you buy standalone travel insurance, even though your credit card also provides free travel insurance.
If you buy standalone travel insurance, even though your bank account offers travel insurance as part of your account package.
If you buy standalone travel insurance, even though one of your other forms of insurance includes travel cover as an add-on.
If you have an annual travel insurance policy in place but take out a single trip policy to cover specific losses not covered under the annual policy.

While it's possible to have multiple policies, it's not possible to receive a pay out from 2 policies for the same loss. Australian insurance law stipulates that if you hold 2 insurance policies with identical coverage, both insurers can share the cost of covering the claim, but are not required to pay out 100% of that claim.

The only exception to this is in relation to death or permanent disability cover, where insurers are required to pay out the benefit amount stated in their policies, regardless of what other insurers have paid.

A common exclusion included in travel insurance policies relates to other sources of reimbursement. A typical travel insurance product disclosure statement (PDS) will state that if you are able to receive compensation from any other source for your loss, the insurer will only pay the difference between the benefit amount and the amount you receive from that other source.

This also applies to other insurers. If you have cover under more than 1 policy, you must inform your insurer of this and provide details of the other insurer and the policy. This is because if your insurer pays out your claim, they can then seek a contribution from the other insurer.

Vice versa, if you claim from the other insurer and they only provide you with a partial pay out, your insurer will pay you the difference between what you received and your insured benefit amount.

What happens if I don’t disclose both policies?

If you don’t disclose your other forms of cover to your insurer, the penalties could be even more severe. Insurers investigate all claims thoroughly and share this information, so if you claim on 2 policies without declaring, it’s likely one or both will find out.

Moreover, any purposely fraudulent statements regarding other policies could mean your cover will be voided, your policy cancelled and you’ll possibly wind up in court.

Gary Ross Hunter

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Health, home, life, car, pet and travel insurance
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The 5 Best Annual Travel Insurance Plans of 2024

Allianz Travel Insurance »

AIG Travel Guard »

Seven Corners »

GeoBlue »

Trawick International »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Annual Travel Insurance Plans.

Table of Contents

Allianz Travel Insurance
AIG Travel Guard

Buying travel insurance can be a smart move for most trips, but those who travel more than a few times a year should consider an annual travel insurance policy. Whether you regularly travel for business and/or take several vacations a year, annual travel insurance plans can help you get the coverage you need without having to price out and purchase protection every time you leave home.

If you find yourself in a situation where an annual plan makes sense, know that not all travel insurance companies offer this kind of coverage. You'll also want to consider the available annual travel insurance plans to see which options make sense for your travel style and the level of coverage you want.

Frequently Asked Questions

Annual travel insurance plans all work in their own way, but the majority let travelers pay one annual premium for coverage that lasts for up to 364 days. These plans often limit the length of individual trips that are covered within the coverage year. Per-trip and annual limits on coverage can also apply.

In some cases, annual travel insurance plans require a deductible or coinsurance for certain types of coverage. If you're considering an annual travel insurance plan because you take multiple trips each year, make sure you read over the policy details and understand all coverage limits and trip limits that apply.

The cost of annual travel insurance typically varies based on factors like the age of the travelers applying, included benefits and coverage limits. You will want to shop around to compare plans across multiple providers using a platform like TravelInsurance.com or Squaremouth before you settle on a travel insurance policy.

To provide an example of the cost of annual travel insurance, U.S. News applied for a quote for two 40-year-old travelers seeking coverage for eight trips over a 12-month period. The Squaremouth travel insurance portal quoted policies with costs that range from $206 for the GeoBlue Trekker Essential plan to $610 for the Safe Travels Annual Deluxe plan by Trawick International.

Annual travel insurance can be worth it if you take multiple trips each year and want to make sure you always have coverage in place. After all, the alternative to having a multitrip policy is buying a new travel insurance plan for every vacation you take. That's not always feasible for frequent travelers who are always jetting off somewhere new – often at the last minute.

Just keep in mind that annual travel insurance plans tend to come with lower coverage limits than plans for single trips, and that you'll pay a premium for coverage that comes with comprehensive benefits and high limits for medical expenses and emergency evacuation.

Allianz Travel Insurance: Best Overall
AIG Travel Guard: Best for Basic Coverage
Seven Corners: Best for Medical
GeoBlue: Best for Expats
Trawick International: Best for the Cost

Tailor your annual travel insurance plan to your needs

Most plans include coverage for trip cancellation and interruption, travel delays, medical expenses, and more

Lowest-tier plans (AllTrips Basic and AllTrips Prime) come with no or relatively low coverage limits for trip cancellation

Most annual plans (except for AllTrips Premier) do not cover trips longer than 45 days

Trip cancellation coverage worth up to between $2,000 and $15,000
Trip interruption coverage worth up to between $2,000 and $15,000
Emergency medical coverage worth up to $50,000
Up to $500,000 in emergency medical transportation coverage
Up to $2,000 in coverage for lost or damaged baggage
Up to $2,000 in coverage for baggage delays
Travel delay coverage worth up to $1,500 ($300 daily limit)
Rental car coverage worth up to $45,000
Up to $50,000 in travel accident coverage
24-hour hotline assistance and concierge service

SEE FULL REVIEW »

Annual Travel Insurance Plan offers year-round travel insurance protection

Relatively high limits for medical expenses ($50,000) and emergency evacuation ($500,000)

No trip cancellation coverage and relatively low limit ($2,500) for trip interruption coverage

No coverage for preexisting medical conditions

Up to $2,500 in coverage for trip interruption
Up to $1,500 in coverage for trip delays of five-plus hours ($150 per day limit)
Missed connection coverage worth up to $500
Up to $2,500 in baggage insurance
Baggage delay coverage worth up to $1,000 for delays of at least 12 hours.
Up to $50,000 for emergency medical expenses ($500 for emergency dental sublimit)
Up to $500,000 for emergency evacuation and repatriation of remains
Up to $50,000 in accidental death and dismemberment (AD&D) insurance
Up to $100,000 in protection for security evacuation

Provides coverage worth up to $250,000 for emergency medical expenses

Tailor other included benefit levels to your needs

Coverage only applies to trips up to 40 days

Deductible up to $100 applies for emergency medical coverage and baggage and personal effects

Trip cancellation coverage worth up to between $2,500 and $10,000
Trip interruption coverage worth up to 150% of the trip cancellation limit
Up to $2,000 in trip delay coverage ($200 daily limit)
Up to $1,000 in protection for missed connections
Up to $250,000 in coverage for emergency medical expenses ($50,000 in New Hampshire)
$750 dental sublimit within emergency medical coverage
Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
Up to $2,000 in coverage for baggage and personal effects
Baggage delay coverage worth up to $1,000 ($100 daily limit)
24/7 travel assistance services

Get annual coverage for medical expenses and routine medical care

High limits for medical expenses and emergency medical evacuation

GeoBlue plans don't offer comprehensive travel protection

Deductibles and copays apply

Ambulatory and therapeutic services
Inpatient hospital services
Emergency medical services
Rehabilitation and therapy
Preventive and primary care

Choose among three tiers of annual travel protection

Option for basic protection with affordable premiums

No coverage for preexisting conditions

Maximum trip duration of 30 days per trip

Trip cancellation coverage up to $2,500 maximum per year
Trip interruption coverage up to $2,500 maximum per year
$200 per trip for trip delays (up to $100 per day for delays of 12 hours or longer)
Up to $500 in coverage per trip for baggage and personal effects
Baggage delay coverage up to $100 per trip
Up to $10,000 for emergency medical expenses per trip
Up to $50,000 in emergency medical evacuation coverage per trip
Up to $10,000 in AD&D coverage
24-hour travel assistance services

Why Trust U.S. News Travel

Holly Johnson is a travel expert who has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – within their family media business and travel agency .

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Table of Contents

When can you buy travel insurance?

When is the best time to buy travel insurance, when is it too late to buy travel insurance, if you want to buy travel insurance after booking.

When you’re planning a trip away from home, travel insurance provides peace of mind, especially for pricey vacations. Maybe you’ve already started booking a trip and only now realized travel insurance might be a good idea. You may be wondering, “Can I buy travel insurance after booking my trip or purchasing plane tickets?”

The short answer is: Yes, you can.

However, timing is everything when it comes to buying travel insurance — and some options won’t be available if you wait too long. Here's a look at buying travel insurance, the best times to purchase it and when it’s too late to get it.

Depending on what you’re doing, travel insurance can provide coverage for a variety of situations, including medical care, trip delays, lost luggage and even trip cancellation.

If travel insurance is something you’re considering, you’ll want to purchase it sooner rather than later — but not before booking your travel.

Many travel credit cards come with complimentary travel insurance .

Before booking

You won’t want to buy insurance before you book any travel, especially if you aren’t firm on your plans. Policies such as trip cancellation insurance are meant to protect you against nonrefundable losses that you have incurred. If you haven’t booked your travel yet, you won’t know your out-of-pocket costs or how much coverage you’ll need.

After booking

While it’s not recommended to purchase travel insurance before booking travel, you’ll want to do so as soon as your reservations are made. At this point, you can expect to see the greatest number of options to choose from, including Cancel For Any Reason insurance .

It is possible to purchase travel insurance up until the very last minute — most insurance companies will allow you to buy a policy until the day before departure. Keep in mind that your options will be limited if you wait, however, and some benefits such as trip cancellation and interruption may no longer be available.

» Learn more: How to find the best travel insurance

The best time to purchase travel insurance is as soon as your reservations have been made. Waiting a long period of time after booking your trip can make you ineligible for certain types of insurance. Examples of this include:

Pre-existing medical condition insurance. This is time-sensitive insurance and allows for treatment for existing medical conditions if they’re aggravated by travel. You’ll need to be medically fit to travel at the time you purchase this coverage. You must also insure 100% of your trip. Finally, the time period you have to buy the insurance will vary according to the provider; generally, you’ll be expected to purchase this 10 to 21 days after first putting down a deposit.

Cancel For Any Reason insurance. As the name suggests, this insurance allows you to cancel your trip and receive a portion of your nonrefundable costs back, no matter the reason why you’re canceling. Typically, you’ll need to purchase CFAR insurance 10 to 21 days after putting down your initial deposit. Providers may also require you to cancel your trip earlier than 48 to 72 hours before your scheduled departure.

Finally, your ability to buy travel insurance evaporates if you aren’t already covered when an event arises. Just like you are unable to buy cell phone insurance when you’ve already cracked your screen, you can’t buy most types of travel insurance if your trip has already been affected.

Let’s say that you booked a trip to France last June. You’ve been intending to buy trip cancellation insurance but have been putting it off. However, just two weeks before you’re set to leave, you slip down a set of stairs and break your leg. Now you’re rocking a set of crutches and there’s no way you’re fitting in that economy class seat you’d booked.

Trip cancellation insurance would have covered you for any nonrefundable purchases you’d made due to your unforeseen injury. But now that your leg is already broken, it’s no longer an option. Because trip cancellation insurance isn’t retroactive, you’ll just have to absorb the cost.

» Learn more: Trip cancellation insurance explained

How close to a trip can you buy insurance? We’ve outlined some specific situations above in which you’re no longer able to buy travel insurance, including time-sensitive policies that must be purchased soon after you make your reservations.

Otherwise, you’re able to buy most types of travel insurance all the way until the day before you begin traveling. Any time after that — even 12:01 a.m. on your departure date — and it’s too late to insure your trip.

Can you buy travel insurance at the airport?

No, you can’t buy travel insurance at the airport. You also can’t buy it when you’ve already boarded your cruise, you’ve chosen not to attend a tour or your flight is so late it causes you to miss your connection.

» Learn more: What does travel insurance cover?

Travel insurance can be a good idea for many reasons, especially if you’re worried about anything going wrong during your trip or if you’ve invested a lot of money into a vacation. Happily, for procrastinators, most types of travel insurance are available after you’ve already booked your travel. You’ll simply need to make the purchase at least one day before travel.

However, there are some types of coverage that you’ll need to buy soon after booking or they won’t be available. These include Cancel for Any Reason insurance as well as pre-existing medical condition insurance. So if you are interested in buying travel insurance, purchasing a policy soon after booking your trip is the best way to go.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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I've just booked a holiday in Italy with my partner. Is joint travel insurance or two single policies better?

Family travel insurance policies can be an option

By Rebecca Rutt For Thisismoney.co.uk

Updated: 02:12 EDT, 24 October 2016

View comments

We’ve just booked a week’s holiday to Italy and are about to buy travel insurance but does it make any difference if we have a joint or two single policies?

In the past we have always bought two single policies but when looking at quotes joint policies seem a lot cheaper.

When looking at quotes joint policies seem to be cheaper but does this mean we won’t have as much cover than if we both had our own individual policies?

Holiday cover: Is it better to buy a joint or two single travel insurance policies?

Rebecca Rutt, of This is Money, replies : Buying travel insurance is a must if you’re going away as it covers you for a wide range of things such as if your luggage is stolen or you fall ill and need to cancel.

The benefit of buying a joint policy whether it's for a couple or for a family can usually be cheaper than buying individual policies.

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As travel insurance is priced by the individual risk, it’s always worth comparing the joint and individual prices before buying.

This is particularly important if one of the people on the holiday has pre-existing medical conditions or is aged over 65.

If this is the case their insurance price will be higher because there is more risk of them falling ill. They could push the price up for the other member of the party and the insurance may cost more than the price of individual policies.

If we buy joint insurance rather than single insurance will we have the same protection?

We asked comparison website GoCompare for a range of quotes to show the different prices available. The price for a single trip to Europe for two people aged 35 with no pre-existing medical conditions starts from £7.39 while two single policies are £4.99 each.

However, for an older couple of 45, where one has angina the price is a lot more to take a joint policy. In this case prices start from £14.64 for the traveller with pre-existing conditions, and £4.84 for the one without. A joint policy starts from £21.78 so would cost more.

As with any kind of insurance policy, price isn’t everything and the most important thing to look for is if the policy provides you with enough cover.

You can also buy family travel insurance policies, which are typically cheaper than individual policies.

These often include free cover for those aged under 18 but some policies share pay out sums among those on the policy.

For example, if you bought individual policies they may cover you for £500 each if you need to cancel the holiday, but if it's a joint or family policy the £500 may be split between everyone on the trip.

Will we have enough cover for our upcoming holiday if we buy a joint insurance policy? (Pictured: Trevi Fountain in Rome)

Therefore it's important to double check the small print before you buy.

A spokesperson for the Association of British Insurers said: ‘When taking a trip, it’s essential to make sure you have appropriate travel insurance so you are covered should anything go wrong.

‘While it may be more cost effective to get a group policy or family cover, it’s important to shop around to find the right cover to suit your needs and not buy on price alone.

‘Those with existing medical conditions or older customers, may find it is better to get a single trip policy, rather than join a group policy.’

Share or comment on this article: Is joint travel insurance or two single policies better?

Some links in this article may be affiliate links. If you click on them we may earn a small commission. That helps us fund This Is Money, and keep it free to use. We do not write articles to promote products. We do not allow any commercial relationship to affect our editorial independence.

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How to Pick the Best Flight Insurance Policy for Your Next Trip

Here’s what you need to know about flight insurance before you buy.

From flight delays to damaged bags, air travel can be stressful. Thankfully, there’s a range of flight insurance options that will cover expenses in case something goes wrong and provide peace of mind, even if everything goes as planned.

So, what is flight insurance? Flight insurance is a type of policy that only protects the cost of your flight and flight-related expenses. This type of insurance can include trip cancellation, trip interruption, flight delay , and lost or damaged baggage coverage. Unlike a comprehensive travel insurance policy, flight insurance doesn’t cover things like emergency medical coverage or emergency evacuation.

Here’s everything you need to know about flight insurance so you can decide which plan is best for you.

Pros of Flight Insurance

The obvious benefit of buying flight insurance is that you’ll be protected financially if things go wrong. Even if your trip goes according to plan, the peace of mind you’ll have may be worth the relatively small cost of a basic insurance plan. In 2022, the average cost of a policy was just $266, while the average payout was $2,157, according to Squaremouth , a travel insurance comparison website.

Cons of Flight Insurance

Ironically, the biggest con of purchasing flight insurance occurs when your trip goes smoothly. “If you have it, chances are you won't need it, “ says Faith Ann Liuzzo-Bartholomew, a travel advisor who is a member of the American Society of Travel Advisors. That’s what can make the decision to purchase flight insurance so difficult.

“Flight insurance is a guarantee that your hard-earned dollars and trip plans are protected in case any problems or issues occur,” says Liuzzo-Bartholomew. However, If your trip ends up problem-free, the money spent on flight insurance can feel wasted.

Types of Flight Insurance

There are different types of flight insurance, and each type of policy covers different aspects of a trip.

Airline-issued Flight Insurance Policies

You can buy flight insurance directly from the airline when you’re purchasing a ticket. For example, American Airlines offers flight insurance policies through Allianz Travel that include trip cancellation and trip delay coverage, as well as lost and damaged bag protection. United Airlines offers policies through AIG that include coverage for flight cancellations, missed connections, and lost baggage.

These types of policies tend to offer bare-bones coverage, according to Liuzzo-Bartholomew.

“If you add the insurance through the airlines with your flight purchase, it is more of a budget policy and includes the basics for delays, cancellations, luggage issues, and re-bookings.”

Comprehensive Travel Insurance Policies

If you are planning an expensive trip or would rather pay a little more upfront for additional peace of mind, a comprehensive travel insurance policy may be a good option. This type of policy can still have many variables but will generally cover more than just a flight insurance policy.

For even more flexibility, keep an eye out for a policy that includes the option to upgrade to “Cancel for Any Reason” insurance. A CFAR policy allows travelers to cancel a trip for reasons not covered in their base insurance policy. There are additional restrictions on when you can add CFAR insurance and when a trip needs to be canceled to qualify for reimbursement.

Credit Card Travel Insurance

Many credit cards come with complimentary flight insurance that can cover you in the event of disrupted travel plans. For some travelers, the coverage provided by their credit card may be enough.

The Chase Sapphire Reserve offers a top-notch policy that includes trip cancellation and interruption coverage, lost and delayed baggage coverage, and trip delay insurance that kicks in just six hours after a flight’s scheduled departure time. Another premium credit card, The Platinum Card from American Express , includes trip cancellation, interruption, and trip delay insurance.

Since we’re talking about flight insurance, you may assume that all airline co-branded credit cards come with flight insurance. Unfortunately, that’s not true. Some, like the United Club Infinite Card , include trip cancellation/interruption coverage, while others, like the Citi/AAdvantage Platinum Select World Elite Mastercard , don’t have any type of insurance.

Keep in mind that it’s important to purchase your flight with the card that has the insurance coverage for the policy to be valid.

How to Choose the Best Policy

There are different types of flight insurance policies, so you’ll want to do some research to find the one that best fits your needs.

Mitch Krayton, owner of Krayton Travel and a member of the American Society of Travel Advisors, advises his clients to think about what matters most to them. “Ask what risk you are most concerned about in your travels and what support and financial compensation you are willing to pay a premium for.”

The type of flight insurance policy you’ll need will depend largely on what type of traveler you are. A couple who enjoys weekend trips to different destinations in the U.S. might not need much more than what is offered by the airline or is available through a credit card.

However, Pamela Holt, travel expert and host of “Me, Myself & The World: The Art of Solo Travel” on Amazon Prime, illustrates an opposite scenario. “Someone like me, who is constantly traveling solo throughout the year to remote locations and requires some flexibility with travel dates, will likely upgrade to a more comprehensive travel insurance plan,” she says.

How to Use Flight Insurance

Picture yourself right after your flight gets canceled. The airline rebooks you on the next flight out, but it’s not until the following morning, Even if a hotel voucher is provided, you’ll still end up with out-of-pocket costs. Flight insurance can reimburse you for those extra expenses like transportation to and from the hotel and meals that won’t be covered by the airline.

If you’re making a claim on your credit card’s travel insurance, you’ll need to charge any expenses on the card that has the insurance. Save all of your receipts and grab any relevant screenshots that show your flight was delayed or canceled.

If you need to file a claim for damaged baggage, act fast. Most airlines require you to submit a claim within 24 hours of landing. Airlines are required to cover some damage in certain situations, but having a flight insurance policy can fill in the gaps between what they cover and what your out-of-pocket expenses actually are.

If you purchased a flight insurance policy from your airline or a travel insurance company, you’ll need receipts for all of your unreimbursed expenses and proof of your disrupted travel plans. Be sure to file a claim as soon as you get home, as many policies have timing requirements.

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Read the original article on Travel & Leisure .

4 times your credit card’s travel insurance can help with travel woes, and 7 times it won’t

Editor's Note

Travel now is more unpredictable than ever. I've been lucky that none of my trips this year so far have been incredibly affected by delays or cancellations. However, it's quite possible that your next flight could be delayed or canceled.

Other TPG staffers have experienced travel issues in past years. For example, TPG aviation reporter Sean Cudahy had every leg of one of his flights canceled last year, while TPG senior editorial director Nick Ewen spent time in New Jersey instead of Greece two years ago due to weather-related delays.

If you've been reading TPG for a while, you may already know that some credit cards provide travel insurance when you use your card to book your flights (or pay the taxes and fees on award flights). And you may even be using one of these cards to book your trips. But you may not know what is and isn't covered by these benefits when your travel doesn't go smoothly.

In this guide, I'll give a high-level overview of some scenarios where you can — and can't — expect your credit card's travel insurance benefits to assist.

Credit card travel insurance

We've written entire articles about credit cards that provide travel insurance. So, I recommend checking out the following stories to learn more about the travel insurance provided by top travel rewards cards :

Flight delayed or canceled? Here are the best credit cards with trip delay reimbursement
When to buy travel insurance versus when to rely on credit card protections

But, the protections provided by each card are different. So I recommend reading — or at least skimming — your card's guide to benefits before your next trip to familiarize yourself with those specifics. You can call the number on the back of your card for a physical copy or link if needed.

FREEMIXER/GETTY IMAGES Cards like the Capital One Venture X Rewards Credit Card , Chase Sapphire Preferred® Card , and the Ink Business Preferred® Credit Card provide excellent travel protections. But, I believe the Chase Sapphire Reserve® provides the best travel insurance overall.

In this guide, I'll use the benefits offered to Chase Sapphire Reserve cardholders as examples for would help (or not) in several scenarios. If you generally pay for your travel with a different card, consider how the benefits on your card may differ.

Related: 7 travel mistakes to avoid on your next trip

Times when your credit card's travel insurance can help

If your travel doesn't go smoothly, benefits from your travel rewards credit card may offer reimbursement or other help. Here are four real-life scenarios where your credit card's travel insurance may come in handy.

Your flight is significantly delayed or canceled

First, the bad news: If your flight is canceled, you'll need to work with your airline to get rebooked. If your flight is significantly delayed, you'll need to either wait out the delay or work with your airline to get rebooked on a different flight.

But, the good news is that some cards offer trip delay reimbursement when you use your card to pay for your flight (or the taxes and fees on an award ticket). And this benefit can help as you wait for your delayed or rebooked flight.

For example, if you used the Chase Sapphire Reserve to book your original flight, Chase may reimburse you for "reasonable expenses incurred during the delay." In particular, you can get up to $500 per ticket when you're delayed for more than six hours or your delay forces you into an overnight stay. Chase says reasonable expenses include "meals, lodging, toiletries and medication."

But, you'll only be covered if you are delayed due to "equipment failure, inclement weather, strike [or] hijacking/skyjacking." So, if you're delayed due to the crew timing out during inclement weather, you'll be covered.

Conversely, if the airline simply can't find any crew to operate your flight and doesn't provide you documentation stating the delay or cancellation is due to one of the aforementioned eligible reasons, you won't be covered.

Your baggage is significantly delayed

Once again, let's discuss the bad news first: You must report your delayed baggage to the travel supplier. For example, if your checked baggage doesn't appear on the belt after your flight, you must go to the airline's baggage office and fill out a report.

Usually, the airline will start trying to locate your baggage at this point. But often, the airline won't offer to reimburse you for any essentials you might need while you're separated from your baggage.

Luckily, some credit cards cover baggage delays . For example, if you used the Chase Sapphire Reserve to book your flight, Chase may reimburse you "for the emergency purchase of essential items, such as toiletries, clothing and chargers for electronic devices (limit one per device)."

In particular, Chase may reimburse you up to $100 per day for up to five days. To qualify for this coverage, your baggage must be "delayed or misdirected" for more than six hours each day that you use the benefit.

The items you purchase and include for reimbursement should be "essential." But, Chase excludes some items from reimbursement, including hearing aids, artificial teeth, prosthetic devices, tickets, jewelry, electronics and recreational equipment.

Related: What to do when your luggage is delayed or lost by an airline

You must cancel or interrupt a trip

First things first: No credit card offers " cancel for any reason " trip insurance as a complimentary benefit. But you might be covered if you must cancel or interrupt your trip for specific reasons.

Chase Sapphire Reserve cardholders might be eligible for reimbursement of "nonrefundable prepaid travel expenses charged by a travel supplier" and "redeposit fees imposed by a rewards program administrator."

In the case of trip interruption, cardholders can be reimbursed for change fees and costs to return a vehicle to their residence or the closest rental agency .

Many credit cards offer trip cancellation and interruption insurance . But, you'll only be eligible for reimbursement if you must cancel or interrupt your trip for specific reasons listed in the guide to benefits.

For example, you may be eligible for reimbursement if you can't postpone or waive a call to jury duty or subpoena from the courts, and you prepaid for nonrefundable travel expenses with your Chase Sapphire Reserve.

Your luggage is lost or damaged

Earlier, I discussed a scenario where your baggage is delayed. But it's also possible that your luggage becomes lost , stolen or damaged. As with delayed baggage, you must file a claim with the travel provider once you discover the issue.

Some travel providers will provide reimbursement to repair or replace your luggage. But, if the reimbursement isn't enough, you can also seek additional reimbursement via the baggage insurance offered by your credit card. If you booked your travel with your Chase Sapphire Reserve, you could get up to $3,000 per traveler per trip.

Related: Should you get travel insurance if you have credit card protection?

Times your credit card's travel insurance won't help

Of course, your credit card's travel insurance won't help you in every situation. Although you may still find relief through your travel provider or individual travel insurance , here are some real-world scenarios where you might not be covered, using the Chase Sapphire Reserve's travel protections as an example once again:

You want to be on a different flight: Flight delays and cancellations are frustrating. But you'll need to work with your airline to get on a different flight. None of the trip delay insurance plans offered by credit cards will let you buy a new flight and then reimburse you for it.
Staffing issues lead the airline to delay or cancel your flight: According to Chase Sapphire Reserve's guide to benefits, only trip delays caused by "equipment failure, inclement weather, strike [or] hijacking/skyjacking" are eligible for trip delay reimbursement. So, if the airline can't find a crew for your flight due to its employees being sick, for example, you won't be covered.
Your lodging canceled on you: It's frustrating to be walked from a hotel or have your lodging canceled on you. After all, you may face much higher prices if you need to book a new stay. But, except in specific cases covered by trip cancellation and interruption insurance — such as if your lodging at your trip's destination is "made uninhabitable" — your credit card benefits aren't going to help.
Your common carrier or travel insurance policy already provides what you need: As an example, if you are delayed overnight and the airline provides you with hotel and meal vouchers, you can't claim reimbursement for these same expenses through your credit card's trip delay benefit . The Chase Sapphire Reserve's guide to benefits states the trip delay benefit "applies to reasonable expenses incurred during your delay not otherwise covered by your common carrier, another party or your primary personal insurance policy."
Your delay caused you to miss things you already paid for: Trip delays may cause you to miss shows, activities, separately booked flights, hotel nights and more. But, the Chase Sapphire Reserve's trip delay benefit is only for reasonable expenses you incur during your delay. As such, any prepaid trip expenses won't be covered.
You have to cancel or interrupt your trip for a noncovered reason: As discussed above, the trip cancellation and interruption insurance offered by credit cards like the Chase Sapphire Reserve only covers you if you need to cancel or interrupt your trip for select reasons. So, if you need to cancel or interrupt your trip for other reasons, your credit card's travel insurance won't help. For example, you wouldn't be covered by the Chase Sapphire Reserve's insurance if you didn't obtain a necessary visa or your airline became financially insolvent.
You left an item or bag behind on the train, airplane or boat: Although some cards include recently purchased items you lose under purchase protection insurance , most travel insurance offered by credit cards won't reimburse you for items you inadvertently left behind.

Travel insurance benefits vary from card to card, though. And, only select family members may be covered along with you for some benefits. So, take a look at your card's guide to benefits, or call the number on the back of your credit card to learn whether your specific scenario will be covered.

Related: 8 times your credit card's travel insurance might not cover you

Bottom line

Of course, this article assumes you used a credit card with travel insurance to pay for your trip, and the exact protections vary from card to card. But hopefully, this guide gave you an idea of the types of help you may get from your credit card's travel insurance if things go wrong with a trip.

Finally, some premium travel cards offer additional perks, like lounge access , that may help if you face troubles while traveling. It can be much more relaxing to wait out a delay in the comfort of a lounge. Plus, you may gain access to agents that can help you rebook or handle complicated bookings if you have access to your airline's lounge.

Related: 5 ways to ensure you have lounge access before your next flight

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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How Health Insurance Works When You Live in Multiple States

You may find yourself needing more than one policy

Individual Health Insurance

Medicare advantage, travel insurance, frequently asked questions.

If you live in more than one place, how does your health insurance coverage work? That’s a question that you might not think of until you’re contemplating the possibility of having homes in multiple states, but it’s worth considering well in advance, as it can be complicated. This article will explain what you need to know to ensure that you’ll have adequate coverage in each location.

If you have employer-sponsored health insurance and you have to move back and forth between two or more locations due to your job, your employer has probably already worked out the details. If they have employees in that situation, they likely have a plan with a nationwide network and coverage in all the areas where their employees live and work.

But what if you buy your own health insurance or are covered by Medicare or Medicaid? The specifics vary depending on the coverage you have and where you live.

Having homes in two states isn’t just reserved for retirees seeking beautiful weather. It also includes college students who spend the school year in a different state, people who relocate on a seasonal basis for work, and a variety of other situations.

Getty Images/David Sacks

Individual/family health insurance is coverage that you buy on your own, either through the health insurance exchange or directly from an insurance company (i.e., “ off-exchange ”).

More than 21.3 million Americans enrolled in individual market coverage through the exchanges during the open enrollment period for 2024 coverage, an increase from 16 million the previous year. It is estimated that an additional 2.5 million have individual market coverage purchased outside the exchanges.

Although the Affordable Care Act added numerous federal regulations that apply to individual market coverage nationwide, plans are also regulated at the state level, and the plans that are for sale vary widely from one state to another.

Types of Plans

In the last several years, insurers in the individual market have tended to shift away from preferred provider organization plans (PPO plans), and have begun offering mostly health maintenance organization plans (HMOs) and exclusive provider organization plans (EPOs).

In short, HMOs and EPOs don’t cover non-emergency out-of-network care, while PPOs do . Although there are still PPO plans available in the individual markets in some states, there are other states where there are no longer any individual market plans available with out-of-network coverage.

The networks for individual market plans tend to be fairly localized, rarely extending into other states unless there’s a major metropolitan area that straddles two states.

So what does that mean if you buy your own health insurance and live in more than one state? In 2016, the federal government issued a series of FAQs about residency and permanent moves, and they addressed the scenario of a person who switches between homes in more than one state during the year ( see FAQ number 11 ).

Residency Rules

If you live primarily in one state and only travel to the other home(s) “for a short duration,” that’s essentially just considered a vacation, and your residency continues to be based on your primary home. But what constitutes a “short duration"?

The guidelines further clarify that if you have a second home where you spent “an entire season or other long period of time,” you can choose to establish residency in that state.

If you split your time between your summer home and your winter home, you have the option to establish residency in either state or both.

Early retirees who aren’t yet eligible for Medicare , and who have opted for the snowbird lifestyle (moving to warmer climates during cold months), may very well find themselves having to purchase individual health insurance with exactly this situation.

While it’s good to have the flexibility to establish residency and purchase insurance in either or both states, there are some points to keep in mind.

Tips for Living in 2 States

If you choose to buy a plan in one state and keep it all year long, you might not have coverage for anything other than emergency care when you’re living in the second state.

If the plan has a network that is limited to providers within the state (which is true of most individual market plans), you’ll have to return to your first home in order to receive in-network medical care.

However, if you experience a medical emergency at your second home, your plan will cover your emergency care. And thanks to the No Surprises Act (which protects consumers from “surprise” balance billing), the out-of-network emergency room and physicians will not be able to balance bill you for the portion of their bill that is above the amount your insurer pays.

Before opting to rely on a health insurance plan from your home state while you’re at your second home, you’ll want to carefully discuss the ramifications with your insurance company and make sure you understand all the ins and outs.

You can opt instead to establish residency in both states and buy a new health insurance plan each time you move from one house to another. This would ensure that you always have a plan with an adequate provider network in the area where you’re currently living.

The United States Department of Health and Human Services (HHS) has clarified that your move counts as a “permanent move” because you intend to reside in the area for at least “an entire season or other long period of time.”

So, you’re eligible for a special enrollment period triggered by a permanent move, assuming you’ve been maintaining health insurance year-round (the special enrollment period due to a permanent move only applies if you already had minimum essential coverage in your prior location).

However, buying a new health insurance plan each time you move between your homes means you’ll also be starting over with a new deductible and maximum out-of-pocket each time you move.

Individual market health plans are sold with calendar-year deductibles and out-of-pocket maximums, which means they reset each year on January 1.

If you keep the same plan from one year to the next, you only have to meet your deductible and out-of-pocket maximum once during each calendar year (although if you incur out-of-network costs , those will either apply to a separate out-of-pocket maximum, might not be capped, or might not be covered at all, depending on your plan).

But what if you live somewhere warm from October through March, and then return to your northern home state from April through September?

If you opt to buy a new plan each time you move, you’re potentially going to have to meet three deductibles and out-of-pocket maximums in any given calendar year if you end up needing expensive and ongoing medical care.

You’ll have one set of out-of-pocket expenses for the plan you have from April through September, another for the plan you buy in October when you arrive at your winter home, and a third for the time you have that plan from January through March, as it will renew and reset in January (for the new calendar year) even though you only purchased it a few months earlier.

So while the option to buy a new plan each time you move does ensure that you’ll have access to in-network care year-round, it’s important to understand that it could get very expensive if you end up needing extensive medical care.

The snowbird lifestyle is popular with retirees and it’s easy to see why: who wouldn’t want nice weather year-round? Original Medicare’s nationwide coverage area makes seamless health coverage considerably easier than it is for people who aren’t yet eligible for Medicare.

If you’re enrolled in Original Medicare ( Medicare Part A and Part B ), you essentially have access to a nationwide provider network.

Nationwide, most doctors and hospitals are participating providers with Medicare, which means they agree to accept Medicare rates. You just need to make sure that you find medical providers who accept Medicare in each area where you live.

Medigap and Part D

Medicare supplements, also known as Medigap plans , will pick up the tab for some or all of your out-of-pocket costs for covered Medicare expenses, as long as you see a provider who accepts Medicare.

Medigap plans are sold based on where you live, with different health insurers offering plans in different states. But once you have the coverage, you can use it nationwide. This allows Medicare beneficiaries a lot of flexibility, including the option to live in another state for part of the year.

Original Medicare plus a Medigap plan will cover most costs, but not prescription drugs. For that, you need a Medicare Part D prescription drug plan.

Those are sold by private health insurance companies, and your options are based on your primary location (Medicare has a tool that you can use to see what Part D plans are available in your area).

Part D plans have pharmacy networks, and it’s important to pay attention to the scope of the network if you plan to live in more than one area during the year. Some Part D plans have nationwide networks, while others have networks that are more localized.

Even if your Part D plan has a limited pharmacy network, you can look into the option of using the plan’s mail-order pharmacy option and having the medications forwarded to your second home.

Some Medicare beneficiaries have access to supplemental coverage from a current or former employer. Depending on the plan, it may provide nationwide coverage or it may have a localized provider network.

If you have employer-sponsored supplemental coverage, you likely won’t need to purchase Medigap or Medicare Part D. But you’ll want to check with the employer-sponsored plan to see exactly how your coverage will work if you split your time between multiple locations.

In most areas of the country, Medicare Advantage is an alternative for Medicare beneficiaries who would prefer to receive all of their Medicare coverage in one plan, offered by a private insurer.

However, Medicare Advantage plans have provider networks that are more limited than the nationwide network of providers who accept Original Medicare. Medicare Advantage plans use managed care, which means they can be HMOs, PPOs, etc., and the scope of the network varies from one plan to another.

If you’re enrolled in a Medicare Advantage PPO, you’ll have some coverage for out-of-network care, although your costs can be significantly higher than they would be if you remained in-network.

There are also certain Medicare Advantage plans that are specifically designed for people who live in more than one place, but they’re not available in all areas.

If you have or are considering Medicare Advantage coverage and you’re also thinking about splitting your time between homes in more than one state, you’ll want to carefully read the fine print. Talk with the Medicare Advantage insurer to see how you’ll be covered when you’re outside of your home state.

Although Medicaid is available in every state, it’s quite different from Medicare. Medicare is run by the federal government, which is why Original Medicare coverage is the same in every state and includes nationwide access to providers.

On the other hand, Medicaid is jointly run by the federal government and each state. Each state has its own Medicaid program, so benefits, eligibility, and provider access vary from one state to another.

This means that Medicaid generally only covers care received in the state that provides the Medicaid coverage, although there are some exceptions in cases where an out-of-state provider is closer or a metropolitan area straddles two states.

Emergency care is covered outside the state, just as it is with private plans. Non-emergency care is generally not covered outside of the state that provides the Medicaid coverage.

If you move from one home to another and can establish residency according to the rules of the new state, you can apply for Medicaid coverage each time you move. Medicaid coverage typically takes effect at the start of the month in which you apply, so you can have seamless coverage if you apply in a timely manner (note that you cannot have Medicaid coverage in two states simultaneously, so you must terminate your coverage in one state before coverage can start in another state).

However, it’s important to understand that although you may qualify for Medicaid in one state, that doesn’t mean you’ll qualify in every state.

The Affordable Care Act called for Medicaid eligibility to be extended to 138% of the poverty level in every state, but the Supreme Court ruled that states couldn’t be forced to expand their eligibility guidelines, and some have refused to do so.

In states that have not expanded Medicaid, non-disabled, non-elderly adults without minor children generally aren't eligible for Medicaid at all, regardless of their income level. This is the case in 10 states as of 2024.

For low-income seniors (65+) and people with disabilities, there is less disparity in terms of Medicaid eligibility from state to state, but eligibility rules do still vary. For these populations, however, Medicaid eligibility is more strict than the rules that apply to the population that’s eligible in most states under the ACA’s expansion of Medicaid, and most states have both income and asset limits for these populations to qualify for Medicaid.

If you’re enrolled in Medicaid and considering the possibility of living part-time in another state, it’s important to talk with the Medicaid offices in both states to see how you can maintain continuous coverage.

If you’re going to spend part of the year in another state and are concerned about having coverage for more than just emergencies, you might want to consider a domestic travel medical policy—or an international travel policy, if you’re living overseas for part of the year.

These plans are less expensive than individual major medical coverage because they’re more limited.

They typically don’t cover pre-existing conditions , and they come with caps on the total benefit amount that the plan will pay. However, they can provide additional peace of mind depending on the circumstances.

If you opt to keep the individual major medical plan or Medicare Advantage plan that you purchased in your home state, supplementing it with a travel policy will offer additional protection beyond the emergency-only coverage that you're likely to have with your existing coverage—without switching to an entirely new major medical policy each time you move.

It’s common for health plans to have localized provider networks, which can be a challenge for people who live in more than one place during the course of the year. Emergency care will be covered outside the plan’s network, but the person may need to develop a solution for non-emergency coverage. The specifics will vary depending on whether a person has Medicare (and whether it’s Original Medicare or Medicare Advantage), employer-sponsored health coverage (and whether the relocations are job-related), self-purchased coverage, or Medicaid.

If you’re planning to spend part of the year in a different location, you’ll want to plan ahead for your health insurance needs. If your health plan will only cover emergency treatment in the other location, would you be willing and able to travel back to your original location for non-emergency care? If not, you may need to consider other alternatives, including the possibility of buying a separate plan for the time while you’re outside your current plan’s provider network.

Health insurance plans will usually cover emergency care if you’re traveling within the United States. You shouldn’t have to worry about whether you receive care in or out of network. Some plans may provide coverage when you’re outside the country, but consider purchasing a travel insurance plan to ensure you’re covered.

Generally, no. In most cases, you have to enroll in a new plan when you move to a new state. But Original Medicare does not require this, and if you’re enrolled in a Medigap plan to supplement your Original Medicare coverage, you’ll be able to keep it even if you move to a different state.

Centers for Medicare and Medicaid Services. 2024 Marketplace Open Enrollment Period Public Use Files.

KFF. As ACA Marketplace Enrollment Reaches Record High, Fewer Are Buying Individual Market Coverage Elsewhere .

American Academy of Actuaries Individual and Small Group Markets Committee. An evaluation of the individual health insurance market and implications of potential changes .

Centers for Medicare and Medicaid Services. FAQs on the marketplace residency requirement and the special enrollment period due to a permanent move .

Centers for Medicare & Medicaid Services. No Surprises Act .

IHC Specialty Benefits. How your ‘big move’ can trigger an SEP .

Kaiser Family Foundation. Primary care physicians accepting Medicare: a snapshot .

KFF. Medicare Advantage 2024 spotlight: first look .

Medicare Rights Center. Differences between Original Medicare and Medicare Advantage .

Q1Medicare.com. I travel between two states throughout the year (Connecticut and Florida). Is there a Medicare Advantage plan that can provide coverage in both states without additional cost?

Center on Budget and Policy Priorities. Policy basics: introduction to Medicaid .

IHC Specialty Benefits. Can I use my Medicaid coverage in any state? .

KFF. The coverage gap: uninsured poor adults in states that do not expand Medicaid .

KFF. Status of state action on the Medicaid expansion decision .

Kaiser Family Foundation. Status of state Medicaid expansion decisions: interactive map .

IHC Specialty Benefits. What is travel insurance?

IHC Specialty Benefits. Don’t forget to pack travel health insurance .

Centers for Medicare & Medicaid Services. Moving to a new state? You’ll need a new health plan .

American Council on Aging. Maintaining Medicaid Coverage When Moving Between U.S. States .

By Louise Norris Norris is a licensed health insurance agent, book author, and freelance writer. She graduated magna cum laude from Colorado State University.

Money blog: How much should you spend on wedding gift? 'Annoyed' Britons give verdict in survey

The Money blog is your place for personal finance and consumer news. Scroll down to read about new research on how families with twins or triplets face are driven towards bankruptcy, PrettyLittleThing U-turning on its returns policy, and a survey on people's feelings about wedding gifts.

Wednesday 11 September 2024 19:24, UK

UK economy flatlines for second month in a row
Paul Kelso: Chancellor signals first budget will be painful
'I gave birth to triplets and it pushed me to brink of bankruptcy'
How much should you spend on wedding gift? 'Annoyed' Britons give verdict

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What is Labour's Renters Rights Bill - and will it end no-fault evictions?
Top chef shares cheap pasta recipe - and favourite budget eats in North East
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Wedding gift demands have been branded "cheeky", with a new survey finding a quarter of people think the amount spent on attending a wedding is enough of a gift already.

The research, by greetings card marketplace Thortful, found almost half (48%) think the expectation of cost for many wedding gifts is "annoying".

Other reasons those questioned were against wedding gifts are shown in this chart:

It comes as the cost of attending a wedding as a guest increased by 18% between 2022 and 2023 (from £883 on average to £1,045), with overnight stays and lavish hen and stag dos topping the list of expenses.

The surveyr found millennials are the most generous, while Generation X think you should spend the least, with almost a third of them stating less than £30 is sufficient for newlyweds.

Twice as many men as women said they would spend big money (£100+) on wedding gifts, suggesting men are more generous when it comes to gifts (or they just have more money).

For those who are open to wedding gifts, almost a quarter want to spend less than £30 for their friend's or relative's gift.

The most popular response, of the survey of 1,000 people, was to spend between £31 and £70 on the happy couple, and this was pretty universal across all regional categories apart from Northern Ireland.

Anyone hoping for a big spend on their wedding, just 3% said they would spend more than three digits, while two-fifth (20%) were unsure about how much to stump up.

'Can I have a Peloton bike please?'

Responding to the survey, Joshua Adams from Manchester said: "I feel like it's completely cheeky, they don't need these things and requesting them is slightly spoilt. People already spend a fortune on the stags or hens, travel to the wedding, accommodation, book days off work, get new clothes, then you turn up and they're like 'Can I have a Peloton bike please?'"

He said the concept of a wedding gift is completely different to what it once was: "I think times have changed. Back in the '80s when our parents got married, they tended to do it at an earlier age and they genuinely didn't have anything because they were young. The idea of a wedding list then was to help a new couple get started in life."

He said he has seen everything from air fryers to weekends away on the lists of weddings he has attended, as well as smaller, but "expensive" items, including cutlery and table settings.

Eleanor Lewington from Selby said: "I was once given a John Lewis wedding gift list where the bride and groom had selected items from the store that they wanted and none of them were cheap! There was everything on there from kettle and toaster sets to televisions!"

The Renters Reform Bill returned to the Commons today, five years and four prime ministers after it was first promised.

This time it's Labour's version - with the new party of government vowing to improve and complete the set of proposals the Tories pledged, then watered down and then abandoned altogether before the general election.

Now it is being called the Renters Rights Bill, and it aims to "decisively level the playing field between landlords and tenants", according to housing minister Matthew Pennycook.

So what will be in the legislation?

The bill is wide-ranging and includes the following changes:

No-fault evictions banned: Crucially, the legislation will include a blanket ban on no-fault evictions under Section 21 (S21) of the 1988 Housing Act. This allows landlords to evict tenants with two months' notice without providing a reason. Housing campaigners say they are a major contributing factor to rising homelessness.
Awaab's Law extended: This was named after the toddler who died after exposure in his family's social rented home in Rochdale, Greater Manchester. It proposed that social landlords will have to investigate hazards within 14 days, fix them within a further seven, and make emergency repairs within 24 hours. Under the bill, this will be extended to the private sector to ensure all landlords speedily address hazards and make homes safe.
Ban on mid-tenancy rent hikes: It will also ban rent increases being written into contracts to prevent mid-tenancy hikes, leaving landlords only able to raise rent once a year at the market rate.
Allowing pets: Labour's reforms will also give tenants the strengthened right to request a pet, which landlords must consider and cannot unreasonably refuse
Bidding wars crackdown: The reforms alsocrack down on bidding wars between potential tenants. Labour's bill will include a legal requirement for landlords and letting agents to publish the required rent for a property. Landlords and agents will be banned from "asking for, encouraging, or accepting any bids" above the publicly stated price.
Tenancy reform: The bill will remove fixed-term assured tenancies, which mean renters are obliged to pay rent regardless of whether a property is up-to-standard and prevent them from easily moving out in response to changing circumstances, such as a relationship breakdown or new job.
Ban on benefit discrimination: The bill will also outlaw landlords imposing a blanket ban on tenants receiving benefits or with children.

For more details on the changes - and whether campaigners think it goes far enough - read our comprehensive explainer here :

By Sarah Taaffe-Maguire , business reporter

Thousands of workers being made redundant at Britain's biggest steelworks will receive at least £20,000 under government intervention to reduce the fallout from the closure of its blast furnaces.

As many as 2,800 jobs are to be lost, despite the previous government issuing £500m of funding. In return, the company would invest £750m.

Labour, which had expressed hope in opposition to reduce the number of redundancies, confirmed its intervention in government had failed to secure a rethink on the company's plans.

The last blast furnace currently used to produce steel is being closed and an electric arc furnace, which requires less labour, will be built to replace it.

The Tata Steel site in Port Talbot is the UK's single biggest source of CO2 emissions and its closure will reduce the UK's overall CO2 emissions by around 1.5%.

It is understood most job losses will have happened by Christmas, with the remaining redundancies taking place by March 2025.

The package was described by the government as the "most generous voluntary redundancy package ever for a restructure of this size" - read more here:

Mortgages are being used as a "weapon" by domestic abusers, plunging them into debt and homelessness, a charity has warned.

Survivors are left in arrears, with destroyed credit ratings and facing a lifetime of housing insecurity.

One woman described how she remains in a "mortgage prison" - despite having left her former husband more than a decade ago.

"I can't sell the property without his permission and, at any point, he can use his position to stop me from making mortgage repayments by withholding child support payments. Me and my children remain trapped in a mortgage prison with no way out."

The charity Surviving Economic Abuse said that in general, perpetrators are refusing to pay their agreed share of the mortgage, agree to new terms or sell up.

More than 1,000 women across the UK who have had a joint mortgage in the past two years, surveyed by Opinium on behalf of the charity, were asked about whether they had experienced mortgage-related abuse from a current or ex-partner.

One in eight (12%) cited at least one aspect of abusive behaviour related to the mortgage from a partner or ex-partner.

More than three-quarters (78%) of those who experienced abuse felt unable to leave their partner or an unsafe living arrangement due to abuse through the joint mortgage.

Nearly half (49%) had to cut back on utilities or go without essentials, such as food, clothing or toiletries, to cover monthly mortgage repayments.

Sam Smethers, interim chief executive of Surviving Economic Abuse, said: "Mortgage abuse is a hidden crime that’s destroying the lives of hundreds of thousands of survivors.

"Survivors are doing everything they can to make ends meet - cutting back on food, turning off the heating, and borrowing money to keep up with repayments. But right now, banks are limited in what they can do to stop abusers from causing a lifetime of debt and homelessness for survivors."

Rachel Reeves has signalled her first budget as chancellor could be a painful mix of spending cuts, tax rises and increased borrowing.

Speaking to Sky News after official figures showed the economy flatlined in July with GDP growth of 0.0%, she refused to rule out increasing business and wealth taxes, or further cuts to already strained departmental budgets, as she seeks to address what she says is a dire economic inheritance from the last government.

"I've been really honest that there are difficult decisions to come in the budget, on spending, on taxation and welfare, after the mess that the previous government created with the public finances and the state that they are in, that was inevitable," she said.

"I was clear during the election campaign that, if I became chancellor of the exchequer, tough choices lie ahead."

Ms Reeves has ruled out increasing personal income taxes, National Insurance and VAT as well as corporation tax, leaving a limited field of other taxes on private wealth and business.

She said her choices in the budget would be directed at getting a grip on the public finances.

"It is important to bring stability back to our economy, but we will do that in a way that helps promote growth, so we can grow our economy and make our country better off," she said.

Read the rest of business correspondent Paul Kelso 's report here:

An Instagram competition by a fast fashion brand has been criticised for not making it clear someone had won, falling foul of the advertising watchdog.

An Instagram post by Nasty Gal, posted on 3 December 2023, featured a picture of Paris Hilton on the phone, with text stating "$1000 Cash. That's hot."

The caption said "12 days of Christmas Giveaways. Day 3 of #Nasty12DaysofChristmas Win a $1000 CASH."

It outlined the terms, including tagging friends in the comments on the post.

But there was no announcement of a winner, despite requests from Nasty Gal's followers for that information - with questions raised over whether the promotion had been administered fairly.

Nasty Gal Ltd said they had replied to the winner's comment on the post because they believed that announcing competition winners via the comments section was standard practice for influencers and those within the fashion industry on social media.

They said the algorithm would mean it was "extremely likely" this comment would show up for their followers. They added that there was currently no guidance which stated that competition winners could not be announced via the comments section.

But they have fallen foul after advertising rules after the ASA pointed out there were thousands of comments on the post, which it considered meant Instagram users were extremely unlikely to know that a winner had been announced without clicking into and looking at the comments section below the post.

The algorithm, the ASA said, could not be relied upon to ensure Nasty Gal's comment was one of the top comments and therefore easily accessible to entrants. It said the fact users had commented asking about a winner also suggested this method was not sufficient.

The promotion breached CAP Code (Edition 12) rules, 8.2 (Promotional marketing) and 8.28.5 (Prize promotions).

Nasty Gal was told it could not run a competition again like this, unless it made clear a winner had been announced.

It's a busy morning for company announcements and plenty to watch out for on the markets.

The online property portal familiar to many looking for a new place to live, Rightmove, announced it had rejected a takeover bid from the Rupert Murdoch-owned Australian rival REA Group. The announcement was only good news for London Stock Exchange-listed Rightmove, which saw its share price rise 0.6%.

Europe's largest airport Heathrow reported a record number of passengers in the summer months amid booming demand for travel as 7.97 million people flew to or from its terminals in August, the fourth consecutive month of record numbers.

Travel demand was also good for business at WHSmith. The retailer reported its fast-growing UK and international travel business had sales growth of rise 10% over the year while the UK high street business fell 4%.

Getting from A to B could become cheaper as the oil price remained low. For the first time since December 2021 a barrel of Brent crude, the international benchmark, slipped below $70. This morning there's only been a minor rise to $70.68 a barrel.

After news of another month of a flatlining economy, there was little change in sterling with a pound buying nearly $1.31 - $1.309. Against the euro one pound equals €1.1839.

Heathrow has set a new monthly record for passenger numbers - and one billionaire pop star has been credited with helping.

Nearly eight million people passed through Britain's biggest airport in August, with its busiest day seeing 269,000 passengers on the 18th of the month.

The airport said Taylor Swift concerts brought in an additional 40,000 passengers this summer, with fans passing through its terminals for the European leg of her Eras Tour.

The star performed eight nights at Wembley and appeared in other cities on the continent.

Heathrow said that more than 950,000 Pret coffees were sold at the airport across July and August.

It is on course to serve 30 million passengers between June and September, which would be the most for that period in the airport's history.

Spain, Greece, Italy and Turkey were popular summer holiday destinations last month.

Every Wednesday we ask top chefs to pick their favourite Cheap Eats where they live and when they cook at home. This week we speak to Nick Grieves, chef-owner of Ophelia in Gosforth, Newcastle.

Hi Nick, can you tell us your favourite places around Newcastle where you can get a meal for two for less than £40?

Barrio Comida in Durham - I've been a long-time fan, the food there is incredible and worth the short train journey out of Newcastle.

It's all class but I'd seriously recommend the birria tacos (with the consommé), camaron tacos and pollo quesadillas. Time it right for Taco Tuesday or for Happy Hour and you'll be well fed and watered for an absolute bargain.

Master Wang's in Newcastle - excellent, authentic and incredibly reasonable Chinese food just down from Haymarket in the centre of town.

A friend of mine recently told me about it and now I'm there whenever I get a free afternoon.

The pork dumplings in hot and sour soup, braised lamb noodles and their pork burger are all incredible and my go-to when ordering. I'd definitely recommend just ordering lots and sharing it between you.

What is your go-to cheap eat to cook at home when you have a night in?

It would most likely be a pasta dish, something fast and cheap with sausage, fresh tomatoes and a crumbly cheese such as Wensleydale.

During lockdown I posted a few at-home cooking videos on The Patricia's Instagram account - this was one of them and it's still up there on the highlights for a slightly more detailed walk-through.

You'll need some pasta (a small shape like fusilli, macaroni or orecchiette is ideal), a herby sausage like Lincolnshire, fresh cherry tomatoes, chilli flakes, garlic, Wensleydale and some fresh basil.

Start by crushing the garlic, halving the tomatoes, and removing the sausage from its casing and tearing it into small pieces.

Fry the sausage pieces in oil until you get a light colour on one side, then stir and move it over to half the pan.

In the other half of the pan, add the tomatoes, a bit of salt and some chilli flakes and fry it all for another five minutes or so.

Then lightly squash the tomatoes and combine them all, adding in your cooked pasta at the same time with a little pasta water to emulsify the sauce. Plate it up and top it with a good amount of torn fresh basil, thinly grated cheese and a drizzle of olive oil.

Super tasty, fast and cheap.

How did you get into cheffing?

I only started cooking seriously when I was 27 and took over The Garden House in Durham.

Before that, I was in construction and although I always cooked at home I never thought it would turn into a profession. It all happened by accident.

During the recession, the construction company I was working for in Qatar went bust. I came back to the North East and took on shared ownership of The Garden House with family and friends, just to make a bit of money.

We were pretty naive in the beginning and were short on kitchen staff, so I ended up helping with all the food and just fell in love with it.

From there I taught myself a lot, watching and reading everything I could, including a lot of Ruth Rogers and Rose Gray.

After leaving the pub I headed to London and worked in both Fera and The River Cafe where I learnt a great deal, especially about discipline, attention to detail, the importance of good produce and how proper kitchens work.

I loved my time there, but I'd always wanted to be my own boss and was desperate to open somewhere off my own back home in Newcastle.

Fortunately, backed by my gran Pat, I was able to open The Patricia in Jesmond shortly after that - she's the reason I am where I am today.

And then following on from the success of The Patricia I was then able to open my current restaurant, Ophelia, a French-inspired bistro in south Gosforth in Newcastle.

We've spoken to lots of top chefs - check out their cheap eats from around the country here...

The UK economy recorded no growth in July, according to official figures.

It's the second consecutive month of stagnation, the Office for National Statistics (ONS) said.

GDP - the measure of everything produced in the UK - flatlined in the weeks after the election of the Labour government.

But there's "longer-term strength" in the services sector, meaning there was growth over the last three months as a whole and 0.5% expansion in the three months up to July.

Commenting on the GDP figures, Liz McKeown, ONS director of economic statistics, says: "The economy recorded no growth for the second month running, though longer term strength in the services sector meant there was growth over the last three months as a whole.

"July's monthly services growth was led by computer programmers and health, which recovered from strike action in June. These gains were partially offset by falls for advertising companies, architects and engineers.

"Manufacturing fell, overall, with a particularly poor month for car and machinery firms, while construction also declined."

Chancellor Rachel Reeves says: "I am under no illusion about the scale of the challenge we face and I will be honest with the British people that change will not happen overnight.

"Two quarters of positive economic growth does not make up for fourteen years of stagnation.

"That is why we are taking the long-term decisions now to fix the foundations of our economy."

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Great service provided for a minimal fee. Unfortunate timing; I got sick / injury which caused me to not be able to go to event. I was grateful to receive my money back. Easy process and I called in to ensure I was doing everything correctly. Rep explained process and answered my questions. He was very helpful. I highly recommend.

Beware! Do NOT use Allianz Travel Insurance! Hawaiian Airlines promotes this insurance company with the purchase of their flights...don't do it! I purchased Allianz Insurance to protect my daughter and myself for a flight to Boston and had to cancel because my aging dad is not doing well. I feel it is more important to be with him that to make our trip and just wanted to get my airfare back, instead of HAL's ridiculous credit policy. (that's another Review). I tried to process a claim with Allianz and OMG! What a process! Not only does Allianz require every sort of documentation from flight itineraries, a doctor's note, when he was admitted to hospice, why I should be sitting with my father instead of traveling to a copy of the airlines cancelation policy! And that is not the most outrageous problem. Allianz issues me a Claim Number and a Policy Number to log into to view my claim. I enter my last name and either the Policy Number or Claim Number and I receive an error message stating that they cannot find my name nor my Policy Number! How can re-enter the site to view my Claim? I cannot! The bright spot was speaking to their Customer Service rep. She was very nice and compassionate, but still requested the same information from me.

I think Allianz is a scam and a fraud and doesn't care anything about their customers. Dear Allianz, I believe your decision is in error. Medical problems are specifically covered under our insurance. Delta Airlines wanted to have my husband's FAA approved Inogen oxygen portable system removed from the plane. We believe that is a violation of the Americans with Disabilities Act. Inogen oxygen has no oxygen tanks as it draws oxygen from the air. They are not explosive or flammable. Removing his safe, medically required device from the plane would have caused my husband to have seriously low oxygen and could have resulted in a heart attack or stroke. This is absolutely a medical reason for why he was not able to travel. Then, Delta insisted that if he needed his FAA safe medical device he would need to deplane. I do have an update; Delta has fully refunded his airfare admitting that they made a mistake. However, the United fare cost $4, 773.42, Delta refunded $2,491.40. We think insurance is obligated to cover the difference in fare of $2,282.02 at the very least as Medical issues are specifically covered under our policy. You should be able to recover those funds from Delta as they violated ADA laws and caused the medical emergency. Thank you Faith Stone

SCAM DONT USE THEM!!!! Horrible customer service. Will not update my claim so I will be losing all my money.

I do not recommend this insurance. After 3 tries for travel insurance needs with Allianz, I have never received any reimbursement. There is always an excuse for no coverage. Do not purchase.

They were very professional and did a fabulous job of refunding the money for our concert tickets.

DO NOT buy Allianz Travel Insurance!!! I purchased this "insurance" through Hotwire related to auto rental just in case an issue arose. Sure enough, it did and I had to cancel the reservation. The dates for rental were changed by another party due to a situation beyond my control. I could have transferred the dates of the rental to other dates and maintained the reservation, but neither Hotwire nor Allianz would do so. That is purely INTENTIONAL FAILURE to provide customer service. Allianz did not 'process' the claim for THREE WEEKS, then issued their 'final decision' on the morning of the original rental reservation, saying the reason was not covered by the policy. THEY WILL TAKE YOUR MONEY AND KEEP FOR THEIR PROFIT, with no reimbursement for the reason you purchased the insurance.

Allianz global insurance claims department is operated by a bunch of fraudsters. Avoid them at all costs. If you get sick before a trip and cancel they would not reimburse for your trip expenses. Their customer representative const lied about the status of my claim and I have it on recording. #allianzglobalfraudsters

This company SUCKS. I wish I could give no stars and I wish American Airlines would divorce themselves from Allianz. They literally offer one service which they do not honor. I had to cancel a trip for a totally legit reason, I provided ALL the absurd documentation they require, and I still got rejected. They have ONE JOB TO DO and they do not do it. Just a bunch of greedy losers. Will never purchase travel insurance from them again and will certainly spread word on all my socials, etc.

I think this is self-explanatory.

It it would be possible, I would give them zero stars. I had a terrible experience with Allianze Global. Despite having a valid reason for a claim, they have been purposely withholding my money. I provided all the necessary documentation and followed their procedures, yet they keep coming up with excuses to delay my claim. asking for the files I have already provided to them. Their customer service is unhelpful and dismissive, showing no genuine interest in resolving the issue. It's clear that their priority is not customer satisfaction, but rather finding ways to avoid paying out legitimate claims. I strongly advise against using Allianze Global. Save yourself the frustration and choose a company that actually stands by their policies and respects their customers.

985 other reviews that are not currently recommended

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COMMENTS

Can I Buy More Than One Travel Insurance Policy For My Trip?
Yes, it is possible, and sometimes smart, to purchase multiple travel insurance policies for the same trip. If you find that an existing policy you have does not offer enough coverage for your upcoming vacation, you may purchase additional coverage for greater peace of mind. This can happen both accidentally, when a traveler unknowingly ...
Can you have two travel insurance policies?
It's not illegal to be dual insured, but it can make claiming more complicated. For example, if you needed medical care abroad and had two travel insurance policies that could payout for the claim, you won't get double the money. Instead, the insurers would decide how they will split the bill.
Can I have two travel insurance policies and claim on both ...
While having two insurance policies isn't illegal, having one good one is usually a better bet. Ceri McMillan, a GoCompare travel insurance expert, adds: 'It's not illegal to be dual insured, but ...
All you need to know about annual travel insurance policies
My policy also offers a $3,000 annual trip cancellation benefit, $20,000 in emergency medical coverage, $100,000 in emergency transportation (including medevac services), $45,000 in rental car theft and damage protection, $25,000 in travel accident coverage and $1,000 for essentials in the event of baggage loss or damage, along with a handful ...
Can You Have Multiple Travel Insurance Policies For The Same Trip?
Yes Linda, you can insure any part of your trip cost with one of our plans. And you can get the plan anytime, even if you're past your final payment. The only part of this scenario you should keep in mind is if you end up having a medical claim. It's likely the cruise line's plan has Secondary medical coverage.
11 Best Travel Insurance Companies in August 2024
Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs.
Travel Insurance for Travelers Who Do Not Live Together
Answer: Yes, you can all still obtain "Cancel for Any Reason" if you qualify for that benefit. You will need separate policies though if you live in separate states, regardless if only one person is paying for the entire trip. You would each insure your own portion of the total trip cost separately on each policy.
Multiple Policies
Under insurance law, you can't claim against both policies and get back more than you lost. When trying to claim their expenses, Daniel and Hannah lodged a claim with both their insurers and disclosed that they had multiple policies. One insurer may pay it out in full, or they will split it between them. The Product Disclosure Statement (PDS ...
Investigator: can you claim from two travel ...
White explained that if a person holds two insurance policies with identical coverage, the two insurers will jointly cover the claimed amount, sharing the cost between them, but the will never pay out more than 100% of the claimed amount between them. (For example, although one insurer might pay the whole claim to the customer, they may well ...
Can I have multiple travel insurance policies?
Key takeaways. You can have two travel insurance policies and be covered by them both. However, you cannot receive double the payout - each insurer will only pay their share of the claim. Both ...
How to Find the Best Travel Insurance
Nerdy takeaways. Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more. Cost is affected by trip length, pre-existing medical conditions ...
Travel Insurance Quotes
As the nation's original travel insurance comparison site, InsureMyTrip has over 20 years of experience connecting travelers like you with the best policy for your trip. Our simple quote process helps you choose the right coverage by comparing top plans from trusted providers. And if you need help, our licensed insurance agents can assist you ...
12 Best Travel Insurance Companies Of September 2024
The best travel insurance companies are PrimeCover, Travel Insured International and WorldTrips, based on our analysis of 42 policies. Travel insurance policies can compensate you for unforeseen ...
Travel Insurance: What Does It Cover and Is It Worth It?
A travel insurance policy typically costs between 4 and 10% of the overall price of your trip. The cost can vary: Plans with higher limits and more optional coverage cost more. A plan with a CFAR ...
The 5 Best Annual Travel Insurance Plans of 2024
To provide an example of the cost of annual travel insurance, U.S. News applied for a quote for two 40-year-old travelers seeking coverage for eight trips over a 12-month period.
Can I Buy Travel Insurance After Booking?
The short answer is: Yes, you can. However, timing is everything when it comes to buying travel insurance — and some options won't be available if you wait too long. Here's a look at buying ...
Travel insurance policy types explained
Travel insurance is designed to provide financial protection for you and your belongings, and most standard policies include cover for: Emergency medical treatment, up to £5 million. Covid-19 cover - the level of this cover varies between providers. Cancellation, cutting your trip short (curtailment) and missed departures.
Insurance for the way you travel Ã Â¢Ã Â Ã Â¢
Can I have 2 different travel insurance policies for the same traveler? You may have more than one policy. However, the same claim cannot be submitted to both insurance companies. You may want to consider keeping just one policy with higher policy limits. You can see list of insurance policies here: Visitors Insurance.
Travel Insurance
A travel insurance policy can protect you from a variety of unexpected circumstances while you're traveling. Whether you're looking for trip cancellation coverage to reimburse you for the costs of hotels, flights and other pre-paid and non-refundable trip expenses or if you need medical expense coverage to protect you from the extensive costs of overseas treatment and hospitalization, a travel ...
Is joint travel insurance or two single policies better?
You can also buy family travel insurance policies, which are typically cheaper than individual policies. These often include free cover for those aged under 18 but some policies share pay out sums ...
Costco Travel Insurance Review 2024: Pros and Cons
CFAR can be added to any Costco travel insurance policy and will cover up to 50% of the insured trip cost, with a maximum coverage limit of $10,000. CFAR coverage must be purchased within 30 days ...
How to Pick the Best Flight Insurance Policy for Your Next Trip
If you are planning an expensive trip or would rather pay a little more upfront for additional peace of mind, a comprehensive travel insurance policy may be a good option. This type of policy can ...
Tips to Help Get Your Travel Insurance Claim Approved
To get this coverage, you usually must buy a policy within 14 to 30 days of making your first trip payment. However, even with this coverage, you must be medically able to travel when you buy a ...
4 times your credit card's travel insurance can help with travel woes
Your common carrier or travel insurance policy already provides what you need: As an example, if you are delayed overnight and the airline provides you with hotel and meal vouchers, you can't claim reimbursement for these same expenses through your credit card's trip delay benefit. The Chase Sapphire Reserve's guide to benefits states the trip ...
Best Home And Auto Insurance Bundles Of 2024
When you bundle car and homeowners insurance, you get a discount.Many insurers provide a percentage discount on both your home and auto rates. For example, you may get 10% off your car insurance ...
Travel Insurance with Medical Conditions
It's a specialist type of insurance that's often not covered by a standard travel insurance policy. It's a term that can also be used to describe other types of 'non-standard' policy too, like winter sports, cruise insurance, and travel insurance for over 70s. ... Only travel insurance can cover you in these instances, giving you the ...
Baggage policies
By becoming familiar with our baggage policies before you arrive at the airport, you can help ensure a safe and hassle-free travel experience for yourself and your fellow travelers. Due to Tropical Storm Francine, a flexible travel policy is in place for travel to/from New Orleans (MSY).
How Health Insurance Works When You Live in Multiple States
Travel Insurance . If you're going to spend part of the year in another state and are concerned about having coverage for more than just emergencies, you might want to consider a domestic travel medical policy—or an international travel policy, if you're living overseas for part of the year.
Money blog: How much should you spend on wedding gift? 'Annoyed
Wedding gift demands have been branded "cheeky", with a new survey finding a quarter of people think the amount spent on attending a wedding is enough of a gift already.
ALLIANZ TRAVEL INSURANCE
ALLIANZ TRAVEL INSURANCE, 9950 Mayland Dr, Richmond, VA 23233, 32 Photos, Mon - Open 24 hours, Tue - Open 24 hours, Wed - Open 24 hours, Thu - Open 24 hours, Fri - Open 24 hours, Sat - Open 24 hours, Sun - Open 24 hours ... to cover the difference in fare of $2,282.02 at the very least as Medical issues are specifically covered under our policy ...