Is travel insurance worth it? You really can’t tell until you try to file a claim or you read the 14 to 30 page insurance policy (or have your attorney read it on your behalf). If you do file a claim, make sure it is not due to an illness resulting from a pre-existing illness of any kind. In most cases, these will not be covered. Unfortunately this will be in the very fine print. Is it reasonable that a travel insurance policy should be as long and as complicated as they are? Of course not.
Also know the difference between an insurance policy and a protection plan. An insurance policy is regulated. A protection plan is not. Buyer beware; do not purchase a protection plan.
Massachusetts Insurance Commission does offer some assistance. As they say, “The Division of Insurance exists to serve you. The Division can be a source of unbiased information and assistance to you…”
“The Consumer Service Section can be contacted at 617-521-7794, Monday – Friday 8:45 a.m. – 5:00 p.m. or visit the Section on the Division’s web site at www.state.ma.us/doi. You may also contact or send in a consumer complaint by writing to the Consumer Service Section at the Commonwealth of Massachusetts Division of Insurance, One South Station, Boston, MA 02110. For your convenience, a consumer complaint form may be printed from the Division’s web site. ”
None of this replaces the need for you to read and understanding the policy.