Every time I make travel reservations, no matter the website, the question is always posed if I would like to purchase travel insurance. Most times the price is way to high for the services I am purchasing. Never the less I always feel the need to purchase travel insurance just in case something comes up and I cannot make the trip.

After reading many articles on travel insurance I have come to the conclusion that one should never purchase insurance from the place where you made the reservation. The prices are too high and the coverage very limited. The place to go to get travel insurance is insuremytrip.com. This website is a godsend, especially if you are purchasing a higher end product like a cruise or international vacation. It works like most other independent insurance sites, where you enter the amount of coverage you need and some specifics about the persons traveling and it gives you quotes from multiple companies. These rates were much lower in the searches I have performed and the details of the coverage are much more clear than the travel websites. The site will even help you find specific plans that are right for your situation (military, sick family member, etc.). This is the best way I have found to make sure you don’t get stuck with bad penalty fees or paying for a trip you don’t get to take.