I've read a lot of the posts regarding travel insurance, so my wife and I have decided to purchase coverage. Went to insuremytrip.com and did a quote for the following: 2 adults (age 40 and 36), $1250 non-refundable costs (mostly train tickets and a few days hotel), $250,000 medical, 31 days travel. Looking at the 22 results I think I've narrowed it down to the following policy.
Travel Insured-Worldwide Trip Protector Gold for $136 (By the Arch Insurance Company with an A.M Best Rating of A). Benefits include: Trip Cancellation-$625, Trip Interruption-$938, Baggage-$2500, Baggage Delay-$12+ hrs $500max, Travel Delay-6+hrs $200/day $1500 max, Medical-$250,000($50 deductible), Dental-$750included in medical, and Emergency Medical Evacuation-$1,000,000.
Since I've never purchased a policy before, just wanted to run this by the board experts here and see if anything above seems out of the ordinary, or if there's a gap. All of the coverages are Primary (including Evacuation) except Baggage, Medical and Dental, which are Secondary coverages. Policy costs ranged from $106 to $165. Thanks!