TRIP INSURANCE TIPS ƒz Understand what you are buying. Are you covered if you need emergency medical care, if the travel provider goes out of business, if there are delays or cancellations due to weather, if your bags or personal items are lost?
Travel insurance companies must be licensed by the state. Call 
877-693-5236
or go to www.myfloridacfo.com.
Make sure your insurer is backed by a legitimate underwriter with a good rating by A.M. Best. Go to: www.ambest.com.
Check your own medical policies, and coverage by your credit cards and airlines to make sure you aren't buying duplicate coverage.
To reduce risk, buy from a reliable third-party carrier on your own, rather than through an agent or cruise line.
If emergency medical coverage is your primary concern, understand exactly what the policy covers and what is considered a pre-existing condition.
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