![]() ![]() There are some bad insurance companies and even fake insurance companies out there, and we'd like to make sure you go with someone reliable. Try our list of top insurance companies and our questions to ask your insurance company to start. Insurance companies themselves can present a variety of plans, but of course you've got to compare the companies' plans against each other on your own. Other top brokers include, ( and ( Just like with a mortgage broker and unlike with a travel agent, the insurers pay the broker's commission, so you don't pay more than by booking direct. Dasseos', for instance, compares plans from six different insurers. ![]() Third-party brokers who deal with many companies can give you a good independent perspective. Will they pay your medical expenses? If you're heading somewhere without a decent health-care system - will they pay for a medical evacuation? If something goes wrong, how can you reach them from abroad? What's the amount you're covered up to? Medical evacuations can cost $50,000 or more, so it's important to make sure you don't max out your own medical plan. It's time to have a heart-to-heart with your own health insurance company about what happens if you're injured overseas. "Every person has their own level of risk tolerance," said John Cook, president of ( Travel insurance comes in two major flavors: medical and "trip cancellation" (which includes baggage and car insurance.) Travel medical insurance is potentially the most critical (in fact, some countries won't let you in without it), but you may already be covered. The first thing to ask is whether you actually need travel insurance. Here's our stab at explaining the ins and outs of insurance.
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