Where can you get travel insurance quotes?

There are many insurers licensed by the Division of Insurance. In order to be licensed, an insurer must demonstrate it meets the state's minimum financial requirements to pay claims now and in the future. It must also agree to participate in the state's guaranty fund designed to protect policyholders if any licensed property and casualty insurance company is financially unable to pay claims. You can check for a list of companies in your area. When considering a company, you may want to contact your neighbors, relatives, and friends for recommendations regarding their insurance company's service and price. In addition, for a fee, you can learn more about the financial strength of a particular insurance company by contacting any of the following insurance rating services

A.M. Best Company (908) 439-2200 (ambest.com)

Duff & Phelps, LLC (212) 450-2800 (duffllc.com)

Fitch Ratings (212) 908-0500 (fitchibca.com)

Moody's Investors Services (212) 553-1658 (moodys.com)

Standard & Poor's (877) 299-2569 (standardandpoors.com)

Weiss Research Inc. (800) 289-9222 (weissratings.com)

If you are having a problem with your insurance, you should first check with your licensed producer or with the company that sold you the policy. If you feel that the amount of money offered by your insurance company to pay for a loss is not fair or there are other insurer practices that seem unfair or deceptive, there are several alternative courses of action that you may want to consider:

* You can file a complaint with your state Division of Insurance

Unfortunately, most State Insurance departments will not be able to provide you with a list of insurance companies that provide travel insurance. Travel Insurance is a specialty line of insurance and is only offered by a relatively limited number of companies and is usually managed by a national program manager rather than by the insurance company directly. Best place to find a travel insurance quote is either to search the Internet for "travel insurance" or "compare travel insurance". You will find the major companies either way however, the simplest was is to use the search term "compare travel insurance" and than use one of the online travel insurance comparison sites which will allow you to quote and compare the various plans and companies on a side by side basis. Most online sites will also provide you with the underwriters ratings however, don't be mislead by them as they only provide you with the financial stability of the underwriting insurance company and not the reliability of the program manager that manages all aspects for them.

Check with the Dept of Insurance in your state or the National Association of Insurance Commissioners website (naic.org/state_web_map.htm) for links to the state officials where you live

There are four kinds of travel insurance: Travel Cancellation Insurance, Baggage or Personal Effects Coverage, Emergency Medical Coverage And Accidental Death. See related link for information