Travel insurance policies come with a money-back guarantee, called a “free-look” period, that usually lasts from 10-15 days. This is standard on most plans, and is a great benefit to the customer. Here are a few reasons to take advantage of the free-look period.

The free-look gives you peace of mind. Buy the policy you think is best, knowing that you can read over every detail and return it for a full premium refund. Buying travel insurance is complicated, and you want to make the right decision. By using the free-look period, you are being thorough and shopping wisely.

Insurance documents are so wordy, it is helpful to take your time reading the details. Most misunderstandings regarding what a policy will or will not cover can be avoided by fully understanding the policy. The only way to do this is to read it.

Print it out, sit down with a highlighter, and read the trip insurance policy (also called a certificate). Mark anything that is unclear, and call the insurance company with your questions. Remember, if you are not completely satisfied in your decision, return it for a refund of premium.

The free-look period expires after the stated number of days. Most companies offer free-look periods of between 10-15 days. The free-look also expires if a claim is made or the departure date arrives. Some companies also charge a small administration fee, typically under $10, when a policy is returned for a premium refund under the free-look guarantee.

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How to buy travel insurance

1. Use a comparison site- The best way to buy travel insurance is to use this comparison engine. You only get quotes for the top 10 travel insurance plans, which makes deciding easier. The majority of travelers choose one of these plans.
2. Check reviews and buy direct- If you want a quote from a specific travel insurance company, visit our reviews pages. You will see links to purchase insurance directly from the company.