113. Save $100s per year 9 ways to save money on travel insurance

Here are 9 ways to save money on travel insurance:

1. Carefully read the fine print of your travel insurance policy. Not all policies cover all situations.

2. Purchase a policy that allows you to cancel a trip for any reason, up to the time of departure.

3. The best form of trip cancellation and interruption insurance will not only cover illness and injury, but also supplier default, which means the company folded.

4. Be sure to check whether the policy covers cancellation for any emergency reason, not just an illness to you.

5. Some travel policies offer coverage that guarantees to get you to an adequate medical facility if needed. Find out the company's definition of "adequate."

6. Check whether your credit card offers coverage for travel accidental death and dismemberment insurance and collision damage insurance for rental cars.

7. The coverage offered at the rental car counter should be a last resort it's expensive and poor coverage. Check with your auto insurance and credit card company first. Rental car companies offer various insurance and waiver options. Check with your insurance agent and credit card company in advance to avoid duplicating any coverage you may already have.

8. Many policies will cover you on the ground while you're using "common conveyances," such as buses, trains, subways, taxis and hotel courtesy shuttles, but not private tour buses or rental cars. Find out if you have this kind of coverage with your personal or company-paid life insurance policy.

9. If you are going to buy travel insurance, make sure you get only coverages you need, like trip cancellation coverage. Policies insuring your luggage are normally so riddled with exceptions that they're virtually useless.

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