Q. My family and I are planning a ski trip to Austria this winter. I'd like to buy travel insurance so that we are all covered in the event one of us should become ill or have an accident. We do have group insurance through work but overseas travel is not covered. I don't know what type to buy and I have read stories of people buying insurance only to have their claims later denied because of an honest misunderstanding of coverage. Please advise.
A. The number one reason why people make a travel insurance claim is illness or injury before the trip departs, and some credit cards have built-in insurance for this, so you might want to check your coverage (you have to buy the trip with the credit card). But travel insurance is often more convenient for covering illness that occurs abroad. Whatever policy you decide on, make sure it includes medical evacuation coverage to transport you back home to a hospital of your choice. You don't want to become ill and get stuck in a hospital abroad for several weeks. It can be very expensive to arrange a med-evac flight back home (as in $50,000 or more). You can use squaremouth.com or insuremytrip.com to compare travel insurance policies.