Travel insurance is a subject where a vague article can cost a reader real money. This page sets out how we work, so you can judge our guides for yourself.
Where our information comes from
We build our guides from primary sources wherever possible:
- Insurers’ own policy documents, certificates of insurance and benefit schedules.
- Guidance from regulators and government bodies, including state departments of insurance, the US State Department and the NAIC.
- Published, attributable cost data. Where we quote a figure, we say what it refers to.
Where a detail varies by insurer or by state — and in travel insurance it very often does — we say so rather than presenting one insurer’s terms as universal.
How we handle numbers
Prices, coverage limits and medical cost estimates change. We date the figures we publish and revisit them. A price quoted in a guide is an illustration of typical market range, not a quote for you: your own premium depends on age, trip cost, destination, duration and medical history.
Updates
Guides are reviewed and updated as policy terms, regulations and prices change. Where an article covers a fast-moving topic, we re-check it more often. We update articles in place rather than republishing them with a new date to look fresh.
Corrections
If we get something wrong, we fix it. Email [email protected] with the article and the problem. Where a correction changes the substance of our advice, we note the change in the article rather than quietly editing it.
Independence and commercial relationships
Some links on this site earn us a commission. Commercial relationships do not decide what we cover, what we recommend against, or how we rank options, and no insurer gets to review our content before it is published. Our Affiliate Disclosure explains this in full.
What this site is not
Hotelsca US is a publisher. We are not an insurance broker, agent or adviser, we are not licensed to sell insurance, and we cannot advise on your individual circumstances. Our guides are general information. The policy wording you are issued always overrides anything you read here.