# picktheinsurance.com

> Travel insurance explained plainly, with links to each insurer’s own pages for a kind of trip. No advice, no ranking:
> three insurers, always in the same order, described in their own words. A picktheclick property, built on the
> intents.md protocol. Operated by Goldcote Ltd.

## Core
- [Home](https://picktheinsurance.com/): the trip and the cover for each thing that can go wrong; kinds of trip; the small print
- [Guides](https://picktheinsurance.com/guides/): every guide
- [Who the insurers are](https://picktheinsurance.com/the-insurers/) · [How we earn](https://picktheinsurance.com/how-we-earn/) · [For AI agents](https://picktheinsurance.com/for-ai-agents/)
- [intents.md](/intents.md): venue manifest · [agents.md](/agents.md): endpoints · [sitemap.xml](/sitemap.xml)
- [index.md](https://picktheinsurance.com/index.md): the home page in Markdown

## Insurers (fixed order)
- VisitorsCoverage (via Travelpayouts): worldwide travel cover: medical, cancellation, baggage, delays. A US insurance agency, licensed in each of the 50 US states. Link: /go/visitorscoverage (add ?topic= for its page for a kind of trip)
- EKTA (no commission at the moment): travel insurance for any nationality and destination, bought in minutes. Its plans are underwritten and issued by IC Auras Insurance LLC, licensed in the Union of Comoros (licence L16330/AI). Contracts are made with that insurer directly. Link: /go/ekta (add ?topic= for its page for a kind of trip)
- SafetyWing (via its ambassador programme): nomad and long-term travel medical cover, as a monthly subscription. Run by SafetyWing (Managing General Agent) Ltd in the Turks and Caicos Islands; its plans are underwritten by SafetyWing Insurance I.I., an international insurer based in Puerto Rico. Link: /go/safetywing (add ?topic= for its page for a kind of trip)

## Claims service (not an insurer)
- Compensair (via Travelpayouts; we earn a fixed amount for each claim it processes): claims compensation from the airline for delayed and cancelled flights and denied boarding, under the EU rules and the Turkish and Canadian ones. Its fee: 35% of the compensation it gets, plus 10% when it has legal costs (https://www.compensair.com/en/payment-policy/). Run by Compensair Pte. Ltd., a company registered in Singapore. Link: /go/compensair?topic=delay or ?topic=cancellation, on the flight delay and trip cancelled pages

## Kinds of cover
- [Travel medical insurance: emergency care and evacuation abroad](https://picktheinsurance.com/travel-medical-insurance/): What travel medical insurance covers (emergency treatment, evacuation, repatriation), the limits to check, and each insurer’s own page for it.
- [Trip cancellation insurance: getting money back when plans change](https://picktheinsurance.com/trip-cancellation-insurance/): How trip cancellation cover works: which reasons count, which costs come back, when to buy it, and what to read in the policy before you do.
- [Baggage and delay cover: lost bags, missed connections, long waits](https://picktheinsurance.com/baggage-and-delay-insurance/): What baggage and delay cover pays for, the limits that catch people out, and the documents you need to claim.
- [Travel insurance checklist: 10 things to check before you buy](https://picktheinsurance.com/travel-insurance-checklist/): Ten things to check in any travel insurance policy before you buy: medical limits, evacuation, cancellation reasons, excess, activities, baggage and more.

## Kinds of trip
- [Schengen visa travel insurance: the €30,000 rule](https://picktheinsurance.com/schengen-visa-travel-insurance/): What the EU Visa Code asks of travel insurance for a Schengen visa: at least €30,000, valid in all 29 Schengen countries for the whole stay, and what consulates check.
- [Travel insurance for digital nomads](https://picktheinsurance.com/travel-insurance-digital-nomads/): What digital nomads look for in travel insurance (medical cover across countries, monthly terms, evacuation) and each insurer’s own page for it.
- [Long-term travel insurance for gap years and extended trips](https://picktheinsurance.com/long-term-travel-insurance/): Cover for trips lasting months: maximum trip length, rolling subscriptions, buying while you travel, and what to check.
- [Travel insurance for any nationality](https://picktheinsurance.com/travel-insurance-any-nationality/): Some travel insurers only sell to residents of certain countries. Where to look whatever your passport, and what to check before you buy.
- [Travel insurance for adventure trips: treks, diving, safaris and polar cruises](https://picktheinsurance.com/travel-insurance-adventure-trips/): Treks at altitude, diving, safaris and polar expeditions often need more than a standard plan. What to check in the activities list and evacuation cover.

## Who’s travelling
- [Family travel insurance: what to check when children travel too](https://picktheinsurance.com/family-travel-insurance/): How family travel insurance differs between plans: how children are counted, the age a child counts as an adult, and cover when children travel without you.
- [Student travel insurance: studying or travelling abroad](https://picktheinsurance.com/student-travel-insurance/): What students studying abroad check in travel insurance: what the school or visa office asks for, the length of cover, and trips home.
- [Travel insurance over 65: age limits and what to check](https://picktheinsurance.com/travel-insurance-over-65/): What travellers over 65 check in travel insurance: the maximum age to buy, age-based limits on cover or trip length, and pre-existing conditions.
- [Cruise travel insurance: cover at sea and in port](https://picktheinsurance.com/cruise-travel-insurance/): What to check in travel insurance for a cruise: cover at sea and in every port, medical care on board, evacuation from a ship, and missing the ship.
- [Visitors insurance for the United States](https://picktheinsurance.com/visitors-insurance-usa/): Travel medical cover for visitors to the United States: why visitors look at it, what to check (the medical limit, the deductible, pre-existing conditions), and each insurer’s own page.
- [Pre-existing conditions and travel insurance: what the words mean](https://picktheinsurance.com/pre-existing-conditions-travel-insurance/): What a pre-existing condition means in travel insurance, the three ways plans treat them, and what to read before you buy. Words only: no medical or insurance advice.

## When it goes wrong
- [Flight delayed: what to do, and what you can claim](https://picktheinsurance.com/flight-delayed-what-to-do/): What to do when your flight is delayed: care at the airport, the EU compensation of €250, €400 or €600 for arriving three hours late, and what travel insurance pays on top.
- [Bag lost or late: what to do at the airport, and after](https://picktheinsurance.com/lost-luggage-what-to-do/): What to do when your bag is lost, late or damaged: the report at the airport, the 7 and 21 day deadlines, the airline’s limit of 1,519 SDR, and what travel insurance pays on top.
- [Need a doctor abroad: what to do first](https://picktheinsurance.com/doctor-abroad-what-to-do/): What to do when you need a doctor or hospital abroad: the emergency number, your insurer’s assistance line, the European Health Insurance Card, and the papers to keep.
- [Trip cancelled: what to do before you claim](https://picktheinsurance.com/trip-cancelled-what-to-do/): What to do when a trip is cancelled: refunds the airline or a package organiser owe under EU rules, then what travel insurance cancellation cover pays.

## Policy words
- [Travel insurance glossary](https://picktheinsurance.com/travel-insurance-glossary/): ten words that decide a claim
- [Excess](https://picktheinsurance.com/travel-insurance-glossary/excess/): The excess is the part of each claim you pay yourself before the insurer pays the rest.
- [Pre-existing condition](https://picktheinsurance.com/travel-insurance-glossary/pre-existing-condition/): A medical condition you had, or had symptoms or treatment for, before buying the policy.
- [Medical evacuation](https://picktheinsurance.com/travel-insurance-glossary/medical-evacuation/): Medical evacuation moves you, when medically necessary, from where you fall ill or are injured to the nearest hospital able to treat you.
- [Repatriation](https://picktheinsurance.com/travel-insurance-glossary/repatriation/): Medical repatriation brings you home when it is medically necessary and you can travel, often with medical escort.
- [Trip interruption](https://picktheinsurance.com/travel-insurance-glossary/trip-interruption/): Trip interruption pays when you have to cut a trip short for a reason the policy lists, such as illness, injury or a death in the family: usually the unused part of the trip and the extra cost of coming home.
- [Cancel for any reason](https://picktheinsurance.com/travel-insurance-glossary/cancel-for-any-reason/): An optional upgrade, mostly sold on US plans, that refunds part of your prepaid trip costs (not all of them) if you cancel for a reason the standard cancellation section doesn’t list.
- [Sub-limit](https://picktheinsurance.com/travel-insurance-glossary/sub-limit/): A smaller limit inside a bigger one: for example a per-item limit inside the baggage limit, or a dental limit inside the medical limit.
- [Policy wording](https://picktheinsurance.com/travel-insurance-glossary/policy-wording/): The full contract: what is covered, the limits, the excess, the exclusions, the definitions and how to claim.
- [Schedule of cover](https://picktheinsurance.com/travel-insurance-glossary/schedule-of-cover/): The page that is personal to your policy: who is covered, the dates, the destination, and the limits and excess that apply to you.
- [Travel delay benefit](https://picktheinsurance.com/travel-insurance-glossary/travel-delay-benefit/): A payment, or a refund of reasonable costs such as meals and a hotel, when your departure is delayed longer than the threshold in the policy, for a reason it lists.

## Protocol
- [intents.md protocol](https://intentsmd.com) · [picktheclick family](https://picktheclick.com) · [Pick the travel](https://pickthetravel.com)