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Posted on May 9, 2023 in Travel, Uncategorized

Travel Insurance: Airline vs. Insurance Services of America – Why We are the Better Choice

When planning a trip, one important aspect that should not be overlooked is travel insurance. It acts as a safety net, protecting you against unforeseen circumstances that may disrupt your travel plans. While airlines often offer their own travel insurance options, a wise decision would be to purchase it from a trusted insurance agent such as Insurance Services of America. In this blog post, we’ll compare travel insurance purchased from the airline with that purchased from an insurance agent, highlighting the reasons why the latter is a superior choice.

1. Comprehensive Coverage Options: One of the significant advantages of purchasing travel insurance from Insurance Services of America is the availability of comprehensive coverage options. Our travel insurance specialists work with multiple insurance providers, giving you access to a range of policies that can be tailored to your specific needs. Whether you require medical coverage, trip cancellation/interruption protection, or baggage insurance, an insurance agent can assist in selecting the most suitable policy that covers all your requirements. In contrast, airline-provided travel insurance often offers limited coverage and may not cater to all your individual needs.

2. Unbiased Advice: When purchasing travel insurance directly from an airline, it’s essential to remember that their primary objective is to sell their own products. Consequently, they may prioritize their own interests over what’s best for you. Conversely, our travel insurance specialists have a fiduciary duty to act in your best interest. They provide unbiased advice, carefully considering your unique circumstances and travel plans, and recommend the most appropriate insurance options available in the market. This ensures you get the coverage you need without being swayed by self-serving airline policies.

3. Personalized Customer Service: Insurance Services of America excels in delivering personalized customer service, focusing on building long-term relationships with our clients. We take the time to understand your concerns and answer any questions you may have, guiding you through the process of selecting the right travel insurance policy. With expertise and industry knowledge, our travel insurance specialists can explain complex policy details in a clear and understandable manner. On the other hand, airlines may not offer the same level of personalized service, leaving you with limited guidance and support.

4. Flexibility and Customization: Travel plans can vary significantly from person to person. Insurance Services of America understands this and provide the flexibility to customize your coverage accordingly. Whether you have unique destination requirements, a pre-existing medical condition, or specific travel activities in mind, our travel insurance specialists can find policies that accommodate your needs. On the contrary, airline travel agents tends to have standardized policies that may not offer the necessary flexibility or customization options.

5. Claims Assistance: In the unfortunate event that you need to make a claim, Insurance Services of America acts as your advocates throughout the process. We have experience dealing with insurance claims and can guide you on the required documentation and procedures. Additionally, we can help resolve any disputes or issues that may arise during the claim settlement. This personalized support is often lacking when dealing directly with the airline, making the claims process more complicated and time-consuming.

Conclusion: While airlines may offer travel insurance as an add-on during the booking process, Insurance Services of America provides comprehensive coverage options, unbiased advice, personalized customer service, flexibility, and customization, as well as valuable claims assistance. By choosing Insurance Services of America, you can ensure you have the right coverage tailored to your specific needs, allowing you to travel with peace of mind.

Remember, travel insurance is an essential investment in safeguarding your travel plans, so it’s crucial to make an informed decision. Call us at (800) 647-4589 or email us at to find the best travel insurance policy that suits your needs, ensuring a worry-free travel experience.

Posted on July 17, 2020 in Uncategorized

How to Travel Safer Beyond Just a Mask!

If you purchase a travel medical plan nowadays, one thing you should certainly consider is whether or not the policy covers COVID-19.  The new release of the Atlas Travel medical plans  now includes coverage for COVID-19, in addition to new accidents and new illnesses. A much needed additional security beyond the wearing of a mask. Don’t leave your home country without COVID-19 protection.

Posted on June 4, 2020 in Uncategorized

COVID-19 Coverage!

What is Cancel For Any Reason (including COVID-19)

The only way one could call off a trip if you change your mind would be if you purchased Cancel for Any Reason (CFAR) coverage. There is a window of time where you have to purchase the CFAR coverage, otherwise it is no longer an option.

Posted on January 31, 2020 in Uncategorized

What is Emergency Medical Evacuation and Repatriation?

What is Emergency Medical Evacuation and Repatriation? There are few people who know the true meaning of evacuation and repatriation.

If you are injured or hospitalized while you are on a trip overseas, it is possible that location does not have the appropriate facilities to treat you.


Posted on December 18, 2019 in Uncategorized

What the heck is a pre-existing condition?

What the heck is a pre-existing condition?

One of the most important things to understand when considering a travel medical plan, is whether or not it covers a pre-existing condition(s). A pre-existing condition is anything you have or take medication for, saw the doctor for, have symptoms of, prior to the day that you start your travel medical insurance policy. Just because you haven’ t gone to the doctor yet, if you felt poorly with stomach pain for the last couple days, you couldn’t buy a travel medical policy and go to the doctor for your stomach issues. All travel insurance plans will cover new things that happen after your coverage starts. If you need to see a doctor for a pre-existing condition while on your trip, there are fewer plans available that will cover those issues.


Posted on February 7, 2017 in Uncategorized

ISA’s Exclusive International Freedom

Most travel medical plans use a “one size fits all” approach but why pay for benefits you don’t want? Our “International Freedom” group travel plan allows the customer to include only the benefits and features that are most important to them at the lowest possible price. (more…)

Posted on November 3, 2016 in Uncategorized

Thank You Referral Program

This month, we’re giving YOU thanks!

Thanksgiving is approaching and we have been reflecting on who we are thankful for.  Without a doubt, all the staff at ISA are grateful for you.  You purchase group travel medical insurance from us time and time again as well as recommend us to your friends, family, and colleagues who need high quality travel insurance.

We are grateful for your referrals and want to show our appreciation by offering you a $25 Starbucks gift card for each new referral you share in November*.  Do you know a school, church, organization or business that would benefit from our international travel insurance plans?  Fill out this form and we will promptly connect and introduce ourselves and you’ll enjoy a couple of Pumpkin Spice Lattes on us.


Posted on October 24, 2016 in Travel, Uncategorized

Our Vote Goes To…

It’s hard to know you’re making the best choice sometimes. Thankfully, unlike too many past elections, we at Insurance Services of America offer you great candidates to choose from—

When it comes to group travel medical insurance, we’ve nominated only the most qualified, vetted and intelligent of options. No scandals. No flip-flopping. Just honest insurance coverage backed by the world’s oldest and largest health insurance market, Lloyd’s of London, and highly rated by AM Best and Standard and Poor’s. So who are these stellar candidates? Meet them and cast your vote for the one you like best!


Posted on October 17, 2016 in Uncategorized

Medical Evacuation from Haiti

Medical Evacuation from Haiti

Most of us are aware of the devastating Haiti earthquake of January 2010. Now, six years and several deadly storms later—including the most recent Hurricane Matthew—the country is still in desperate need of humanitarian, financial and rebuilding aid. But even prior to the earthquake, this impoverished island nation was a popular destination for the humanitarian and church organizations we at Insurance Services of America regularly insure.

One such organization, Bettendorf Christian Church in Iowa, sent a small group of women to Haiti on a mission trip. Not long after their arrival, the earthquake rocked the country and badly injured one of the church’s volunteers. Peggy Wilson suffered a punctured lung and broken ribs when an 8-foot wall fell on her.


Posted on October 10, 2016 in Uncategorized

Buckle Up and Don’t Forget to Pack Your AD&D Insurance

The United States’ Centers for Disease Control and Prevention (CDC) ranks deaths resulting from accidents as the fourth leading cause of death for US citizens. Accidents include everything from car accidents, to falls and drowning. But US citizens traveling or living abroad also experience devastating accidents—those that kill or maim—at rates that shouldn’t be ignored.

The US Department of State shows that, sadly, between June 2003 to June 2016, there were at least 10,883 reported deaths of US citizens due to non-natural causes overseas. Of those fatalities, 29.5% were the result of vehicular accidents; 22.3% from homicides and terrorist actions; 15.7% from other accidents including train and aircraft accidents, natural disasters as well as falls, mountain climbing accidents and rafting; and 14% from drowning and maritime accidents. (more…)