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The Guide to Business Travel Insurance
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Table of Contents
What is business travel insurance?
Why should business travelers get a business travel insurance policy, does travel insurance cover business trips, what is business travel accident insurance, do credit cards offer business travel insurance, business travel insurance, recapped.
Imagine the following scenarios. You’re meeting potential clients in their city in the morning, but your checked back, including your suit, didn’t make it. You’re giving a presentation, but some equipment has been stolen out of the hotel conference room. You got food poisoning from a restaurant where you had a business lunch and now require medical attention.
When going on the road for business, the last thing you want is to worry about these types of situations.
Business travel insurance provides coverage for the trips you take as part of your business or for a company that employs you. Knowing that some things don’t always go as planned during travel, you might find yourself benefitting from a business travel insurance policy.
Just like personal trip insurance , business travel insurance covers the unexpected during a business trip. A business travel insurance policy can help get reimbursements for travel expenses caused by trip delay and interruption , baggage delay, business equipment theft, emergency medical care, emergency medical evacuation and collision damage insurance for a rental car.
Depending on how often you travel, it's possible to get an annual insurance plan that will cover multiple trips or insure select travel on a trip-by-trip basis. An annual travel insurance plan is more cost-effective, but it might have lower limits than a single-trip policy.
The short answer is because you can never predict anything. The long answer is that it’s good for the following:
Reducing out-of-pocket expenses: One thing gone wrong, and you’re on the hook for unforeseen travel expenses. For example, medical evacuation can cost tens of thousands of dollars, so it’s important to keep those potential financial losses at bay when possible.
Increasing existing coverage: If you have a personal medical insurance plan, it’s important to note that most private insurance providers don’t provide medical coverage abroad. A credit card with travel protections can be a good start, but these benefits typically offer lower coverage limits.
Providing peace of mind: Having insurance can take some of the anxiety out of traveling. Even if the business trip is going according to plan, you'll know that you have safety nets in place should anything go awry.
» Learn more: How to find the best travel insurance
It depends. Some corporations offer travel insurance plans for their employees on the road. You should double-check with the human resources manager of your company as to whether business trips are covered.
It gets tricky if you’re an independent contractor or a freelancer since you don’t have a corporation behind you. As a sole proprietor, make sure to consult with your insurance provider, but be aware that a personal travel insurance policy might not cover business travel.
Instead, we recommend looking into business travel insurance that will cover your personal trips as well.
For example, the annual AllTrips Executive insurance plan from Allianz covers all trips for the year — personal and business — for a one-time fee. This becomes especially handy when you decide to mix business with pleasure and extend a work trip by adding on a few vacation days.
This policy covers trip emergency medical coverage for up to $50,000 and emergency medical transportation for up to $250,000. Travel delay is covered up to $1,600 and baggage loss or delay is covered up to $1,000 each.
An important feature offered by the AllTrips Executive plan is business equipment coverage. If it’s lost, stolen or delayed by the airline, equipment rental or replacement will be covered up to $1,000 each.
AIG Travel Guard , IMG Global and Zurich all offer business travel insurance, too.
Business travel accident insurance covers you in the event of the unthinkable — death or dismemberment. If it sounds like life insurance, it’s because it provides similar coverage but for when you’re traveling on a common carrier, such as an aircraft, a train, a bus or a cruise ship.
If you or someone in your family holds a life insurance policy for you, business travel accident insurance is going to pay out on top of it.
Some travel rewards credit cards offer travel coverage , but it isn’t always on par with a dedicated business travel insurance plan.
For example, the Ink Business Preferred® Credit Card and the United℠ Business Card offer primary auto rental collision damage waiver on cars rented for business purposes. To receive coverage up to the cash value of the car, you must decline the rental company’s own collision damage insurance and pay for the rental with one of these credit cards.
Note that trip cancellation and trip interruption are covered up to $5,000 with the Ink Business Preferred® Credit Card , but trip delay maxes out at $500. Although the United℠ Business Card comes with the same trip delay coverage limit, trip cancellation and trip interruption top out at up to $1,500 per ticket. Baggage delay is limited to $100 per day under both cards’ coverage.
The Business Platinum Card® from American Express offers the same secondary coverage for trip interruptions and trip cancellations: up to $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. For trip delay, the card covers up to $500 per covered trip up to two times per 12 consecutive month period. Terms apply.
Although some insurance coverage offered by your travel rewards credit card is good to have, as you can see above, the coverage limits are typically lower than if you were to buy an annual policy or a single-trip business travel insurance policy.
Credit cards also offer common carrier travel accident insurance and cover costs in case of accidental death and dismemberment. In this case, the first two of the aforementioned cards include coverage for up to $500,000, which is higher than what some annual or single-trip business travel insurance policies usually cover.
» Learn more: The best travel credit cards right now
Business travel accident insurance covers costs accrued in the course of business travel related to medical emergencies, accidental death and dismemberment and emergency evacuations. Specific coverage will vary by insurer.
Given that business travel is typically undertaken with specific business goals in mind and requires companies to take on overhead, travel insurance is likely worth the fraction of trip expenses that it costs to ensure that a company doesn't lose both cash and opportunity at the same time should things not go as planned.
Business travel insurance costs will vary based on the destination, duration of the trip, age of the traveler and the amount of money spent on the trip, among other factors. Some insurers offer annual plans, while others provide coverage on a trip-by-trip basis.
While specific coverage will vary from insurer to insurer, a business travel accident policy typically covers expenses related to medical incidents that occur in the course of the covered business travel.
If you have a personal travel insurance policy, check the terms to see how much applies to business travel. If none, consider purchasing an annual insurance plan for frequent business trips or a single-trip policy for occasional business travel and check with your company to see if the cost of the travel insurance is something you can expense.
Remember that some credit cards offer travel insurance for your business, but note the low payout limits if you choose not to purchase additional coverage.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Bank of America® Travel Rewards credit card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card
on Chase's website
1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.
1x-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.
75,000 Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
June 1, 2020
Due to travel restrictions, plans are only available with travel dates on or after
Due to travel restrictions, plans are only available with effective start dates on or after
Ukraine; Belarus; Moldova, Republic of; (North) Korea, Democratic People's Rep; Russian Federation; Israel
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What's the Best Business Travel Insurance?
Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .
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Based in The Hague, APC Holland offers a range of cover for the Dutch SME market via a network of brokers.
APC Holland is an independent MGA with very strong connections to APC Underwriting in London. Since 1993 APC Underwriting has offered SME products to brokers trough their online platform called QuoteMac.
APC Holland is also offering this QuoteMac on-line trading platform, a facility that to date has not been widely available in the local market.
APC Holland aims to become one of the leading MGA’s in Holland by both providing access to the Lloyd's and London markets and delivering a high level of service to our business introducers.
For further information please contact us here or visit our website .
AMICA NV (Antwerp Marine Insurance, Claims Associates NV) is a specialist in Marine Cargo Insurance and Charterers Liability insurance with a strong focus on trading companies.
With our team of specialists we are able to provide high-level service in respect of underwriting and claims as well as in respect of advising our clients on non-insurance related matters such as contractual disputes (late or non-performance, quality/condition issues, etc), drafting of sale/purchase contracts, mediation and arbitration.
Having worked in commodity trading companies themselves, our people have first hand practical experience with trading and shipping. We are therefore well aware of the problems and challenges that can occur and we know how to deal with these in an efficient and practical manner.
Over the years AMICA has built a solid reputation as a trustworthy and knowledgeable partner for the placement of risks and the handling and management of claims.
We have been a stable and reliable factor for our clients for over 30 years and are dedicated to remaining so in the future.
Bracht, Deckers & Mackelbert nv (BDM) were established in 1934. Today, BDM is one of the most reputable underwriting agencies in Benelux. It ranks among the top 3 of the Royal Belgian Association of Marine Insurers (ABAM/BVT) and is a recognised service provider to medium-sized businesses and multinationals worldwide.
Competence and technical proficiency are BDM´s assets and are reflected in a diversified portfolio of insurance products and services in Marine, Property and Casualty.
BDM exclusively operates through a network of approximately 100 insurance brokers and is specialised in developing tailor-made solutions. For Property & Casualty insurance policies, BDM works with market-based conditions. Additionally it has created a number of specific niche products, such as the particularly successful pleasure craft insurance ‘Waterproof’ and our product ‘presticar’ for exclusive vehicles.
Dedicated teams of experienced, multilingual insurance professionals are the backbone of BDM´s service-oriented business model. They deliver tailor-made risk management solutions and outstanding claims management services, including in-house handling of recoveries and litigation.
BDM has a solid financial position due to its listed (Euronext Brussels) shareholders, investment group Ackermans & van Haaren (BEL 20) and agro-industrial group Sipef.
BDM´s international orientation and profound knowledge of global markets reflects in tailor-made insurance protection for medium-sized businesses and multinationals throughout a wide range of industries.
As coverholder BDM underwrites autonomously for several Lloyd's syndicates and companies. In addition BDM has underwriting proxies for renowned conventional insurance companies.
Diamonds are a beautiful natural element which we at Driesassur have mastered over the years to insure from its original rough shape till the manufacturing of it into a sparkling beauty, full of light and energy.
In the same spirit, we have built very close relationships with our clients, Lloyd’s syndicates and brokers and also with various other European underwriters and Lloyd’s of London of course. We are blessed to have been a Lloyd’s coverholder for several years and honour this unique position.
Anywhere in the world, whether for the diamond trade, jewellery manufacturing, retail shops, Driesassur has a dedicated account handler available to service and guide you in one of our various overseas offices. Fine Art collectors or gallery owners will also benefit of custom made policies.
Our team of 100 enthusiastic colleagues is at your service around the clock, ready to communicate with you in your language of choice to give you the comfort you deserve from the first contact onwards.
Eeckman Art & Insurance
Well acquainted with the art world, Eric and Marc Hemeleers represent the third generation of Eeckman Art & Insurance directors and shareholders. Our insurance brokerage firm has long enjoyed the recognition of the most prominent international markets. Today, we consolidate and export our expertise through our offices in Belgium, France and Switzerland.
As we enjoy recognition as experts from insurance companies and art professionals alike, we aim our services at persons sharing our values and the same passion for art. Collectors, investment advisors, professionals, museums or institutions find with us an interlocutor that understands, analyses and offers tailor-made, innovative solutions.
Intent on remaining faithful to the spirit of company founder Léon Eeckman, we also support artistic creation through partnerships or cultural patronage.
Hoeksche Waard Assuradeuren
Hoeksche Waard Assuradeuren is a fully authorized insurance intermediary of local- and European insurance companies.
As a fully authorized insurance intermediary, we have the authority to sell products of insurance companies under our own label.
This is of great benefit for our clients, because we can provide quick service and custom-made policies.
Claims will be handled quickly and efficiently through our extensive IT-system and because of our collaboration with various claim-, repair companies and dealers.
Please feel free to visit our website for more information or contact us directly here .
Industrial Insurance Group
We are pleased to present to you the Industrial Insurance Group Belgium. Insurances are our core business. Insurances with added value, because security is our main concern in everything we do, motivating us to fulfil our mission, day after day. Which mission, you may ask. Here it is:
With our leading market position, we aim to be an excellent service provider and a landmark in the European insurance landscape.
We aim to build up a deep and long-term relationship with all of our partners.
inTrust Netherlands bv
Claim the best services
Offering unique and flexible solutions make inTrust the specialist in claims management and recovery services. Whether your claim is simple or complicated: our reliable specialists handle your claim efficiently. We offer this service for – or in cooperation with – brokers, insurers, multinationals, underwriters and more.
If you are looking for a partner in claims management and recovery services, you may expect not just expertise but also a significant dose of flexibility and reliability. A personal approach of your wishes is very important to us.
We are autonomous and independent within the Cunningham Linsey Group, a globally operating loss adjustment and claims management company. It enables us to look across borders and to deploy our global expertise. If required we can rapidly and effectively make use of the skilss and expertise of our renowned sister company. Within the Cunningham Lindsey Group, inTrust Nederland act as hub for Europe. We are very well capable of looking after your interests.
We are very proud of our standing as Lloyd’s coverholder which offers us a unique position in the TPA market.
For further information, please contact us here or visit our website .
Neerlandse is the only insurance company in the Netherlands that offers catastrophe cover for flood for home owners, renters and homeowners associations. Neerlandse was established in 2011 specifically for the insurance of flood risk in its domestic market. Neerlandse may be new, but the coverage offered is backed by the well known 326 years old insurance market, Lloyd´s.
Neerlandse partnered with leading international engineering company ARCADIS for flood risk assessment. Neerlandse translated this into a web-based insurance solution that can assess and price the risk for an individual address and manages total risk on a national level.
Neerlandse offers the insurance solution on a white label basis in partnership with local insurance companies since 2015.
Paul L'Ortye Yacht Insurance is a Lloyd's coverholder and a yacht insurance specialist. With 40 years of experience we have a lot of specialized knowledge on board. Most of our clients are the owners of pleasure yachts worldwide. We also offer insurance services for business interests, such as yacht charter, P & I, crew benefits, yacht building and yacht transport. Our team provides a personal service with short lines to ensure the quick and efficient handling of our clients´ insurance needs.
Post & Co is the independent partner for Marine Liability and Logistics insurances for all players in the logistical chain, such as Ship Owners and Charterers, Terminal and Transport Operators, NVOCCs, Transport Intermediaries and Port Authorities.
As one of the few independent P&I specialists in the world, we make it our business to advise all of the above companies and their Insurance Brokers in negotiating the best insurance terms possible.
Our offices are located in Rotterdam, Seoul, Antwerp and Frankfurt. We operate on a global scale within the international shipping world.
We invite you to learn more about our products and services by exploring our website. In the process, we look forward to also learning more about your business. Please contact our staff for further information and assistance.
Qover is building the world first “Sliced On-Demand Digital Insurance Infrastructure”. As coverholder of the Lloyd’s of London, Qover specializes into providing traditional and Sliced On-Demand Digital insurance coverage through a B2B2C distribution channel.
Qover acts as an insurance wholesaler offering Insurance-As-A-Service to Consumer Businesses via lead generation or vertical integration. Qover has rethought insurance products and processes for a fully connected world and is digital not as Mean but as an End.
The solution has been created for businesses willing to add complementary consumer insurance solutions to their own products offering, allowing the final customer to buy insurance coverage at the point of purchase.
Concretely, Qover has created easy-to-use and robust API’s that can seamlessly connect to any IT ecosystem, website or app (i.e. e-commerce, digital broker, online retailer, etc.) and deliver a whole range of traditional insurance products as well as off-the-shelf tailored insurance solutions. The final customer receives a price in real time and can immediately purchase an insurance contract that will be digitally and instantly issued.
Qover manages digitally the whole stack of insurance: from product design to pricing and risk. Claims are settled by a professional independent administrator.
Qover is committed to bringing innovative products, swift distribution and customer centric approach to the insurance market.
Qover is headquartered in Brussels and operates in Europe.
For additional information, please contact us here or visit our website .
QSX Intermediaries BV
QSX Intermediaries BV was established in Amsterdam in 1985 in cooperation with Lloyd’s broker Thompson Heath and Bond (Ltd). In 1988 the shares held by the English partner were acquired by the Dutch management, making QSX an independent company.
The Company Mission is to provide Continental Europe with professional facultative reinsurance brokering services. Insurers located in North and South America and Asia make use of the services that QSX offers in order to spread their large risks among European reinsurers.
During the 1990’s, QSX expanded the scope of its services, offering its services to Dutch insurers and large insurance brokers by placing complex, Dutch commercial risks with (re-)insurers throughout the world. The company moved to Rotterdam in 1998, to be at the centre of the Dutch insurance market. Ten years later, the emphasis shifted towards the placement of niche consumer insurance coverages and the company relocated to Deventer. Besides this location is QSX also represented in New York (USA), Milaan (I) en Gent (B).
A separate entity called CoverYou Verzekering B.V. was set up to handle the volume of policies for consumer insurance products. Lloyd’s of London awarded CoverYou the predicate “Coverholder”, allowing the company to issue policies and perform claimshandling on behalf of certain Lloyd’s underwriters. CoverYou focuses on the insurance of mobile electronic equipment (Smartphones, Tablets, Notebooks). Sales are carried out in The Benelux, Germany and Italy.
In 2014 , the logical step was taken to house the claimshandling activities in a separate entity, called QSX Claims Services BV. QSX Claims not only takes care of its sister company CoverYou’s claimshandling, but also acts as a Third Party Administrator for the claimshandling and administration of other insurance companies and insurance brokers.
From QSX Intermediaries in 1985 to the QSX Insurance Group in 2015: the group now represents three companies, each with its own character and area of expertise.
SAA Assuradeuren BV is the managing general agent (MGA) of SAA Verzekeringen B.V.
SAA Assuradeuren offers a wide range of private- and business non-life insurance through a network of 1,400 agents and its own direct channel with various offices throughout the country. SAA Assuradeuren is licensed by a wide range of national- and international insurers.
Started 1982, SAA Verzekeringen B.V. has been one of the top 5 independent insurance intermediaries in the Netherlands for 35 years, specialized in non-life insurance.
Within the SME market, SAA Verzekeringen has developed special areas of expertise: Marine (Inland shipping / P & I / Yachts, Logistics & Fleets), Agriculture (Multi line) and Food services (Horeca). Thanks to this specialization, SAA is able to realize the right solutions for its customers through a wide range of purchasing channels, both as MGA and via the national- and international co-insurance exchange.
Specialized and sector focused claims handlers are 24/7 available to assist our customers in the event of a claim and they will take care of the professional handling .
Per 2019, SAA has a team of 500 motivated insurance experts who daily help clients to protect their futures.
Van Kampen Assuradeuren B.V.
For over 65 years, VKG takes care of the administration of more than 3,000 insurance brokers in the Netherlands. As a full service provider we offer products from more than 22 insurers in our underwriting agency. We provide the insurance brokers access to the entire financial market. VKG is an authorised coverholder of Lloyd's of London.
VSZ’s mission is based on the social interests of rapid recovery; this results in fewer benefits and ensures that the return to work is commensurate with the pay factor. Revenues and taxation instead of costs and benefits. And through this VSZ also wishes to make a genuine contribution to the happiness experienced by people in life, after all, working is an essential part of this!
VSZ is the private alternative to the UWV. VSZ provides financial solutions that enable businesses and establishments to become self-insurers for the Sickness Benefits Act and to insure this risk privately. Self-insurance means responsibility for employees. Not only during, but also after their employment contract. VSZ will ensure that the risk of sickness is insured and re-integration is guaranteed. VSZ works in partnership with Acture in respect of the re-integration guarantee. Acture is a private implementer of social security measures. This means that Acture, as opposed to the UWV, implements the Sickness Benefits Act for people that do not have employment contracts. As said above, should you decide to become a self-insurer for the Sickness Benefits Act, Acture will completely take over from you the implementation of the Sickness Benefit Act, re-integration and the payment of sick pay, which will enable you to continue to focus on your company’s core tasks. Acture is a private implementer of social security measures. Acture gets employees back to work five times faster than the UWV and the risk of inflow into the WIA is reduced by a factor of 8.
Watch our video here about Insuring Social Security.
W.A. Hienfeld B.V.
W.A. Hienfeld B.V. is an independent family business. From its foundation in 1874, the company has underwriting and claims authority of leading national and international insurance companies. Since 1972 Lloyd's of London underwriters have been represented by Hienfeld. As a committed and creative insurer Hienfeld is an attractive partner for insurance brokers.
Hienfeld is the specialist for group accident, business travel, fine art and horse insurance.
Hienfeld’s leading position is the result of expertise, customer focus, personal contact, flexibility in tailor-made solutions and insurance concepts.
Hienfeld, a pleasure to do business with!
Wannet sports insurance b.v..
As approved coverholder of Lloyd's of London and following over 20 years of experience in this specific class of insurance business Wannet Sports Insurance can provide tailor-made insurance solutions. The most special risks for professional sportsmen/women and professional entertainers can be insured. We have a special disability insurance for every athlete or entertainer.
The special disability insurance is meant for the professional athlete/entertainer who wants good protection of the financial consequences in case of temporary and/or permanent incapacity to work. If you have to finish your professional career earlier, for example due to an accident, serious injury or a critical illness, it can lead to a serious financial loss. To cover against this financial loss you can purchase this disability insurance.
Our product will give cover against being unable to continue in the current occupation as a professional sports athlete/entertainer, due to accident and/or sickness. There can be a claim payment made following temporary and/or permanent disability from your professional career. Which cover suits you, is depending on your individual contract and in relation to your future earnings.
In addition to these individuals we are also focused on professional (sport) associations and organisations. We look after the interests of more than 40 professional football teams in the Netherlands, Germany and Denmark.
What to know about travel safety as the Israel-Hamas war continues
Last Thursday the State Department advised travelers from the U.S. to “exercise increased caution” worldwide because of the Israel-Hamas war , citing “the potential for terrorist attacks, demonstrations or violent actions against U.S. citizens and interests.”
The warning “means what it says,” said Jeffrey Price, an aviation security expert and professor of aviation and aerospace science at Metropolitan State University of Denver. “Don’t go to areas where they are actively capturing or killing U.S. citizens, and be careful when going to countries where you could be put in harm’s way simply by being there.”
But what about trips to Barcelona or Singapore or even just Baton Rouge? Here’s what to consider if you’ve got travel plans on the books or are making them now, given the conflict in the Middle East.
All-purpose safety precautions
In addition to telling U.S. travelers to reconsider travel to Israel and the West Bank and to avoid any travel to Gaza, federal officials also recommend staying especially alert in popular locations anywhere tourists gather globally.
They suggest following State Department accounts on social media for updates and joining the Smart Traveler Enrollment Program to make it easier for the agency get in touch with American travelers abroad in case of emergencies.
The State Department has alerts of various levels in effect for many countries because of conflict and other risk factors, but “worldwide caution” advisories are less common. The last one was issued in August 2022 after a U.S. drone strike killed a high-level Al Qaeda leader .
Some national security experts regard last week’s global alert “as one of the most urgent issued in light of the extremely high tensions throughout the Middle East,” said Howard Stoffer, a professor of international affairs at the University of New Haven and a former senior official in the State Department’s Foreign Service.
“This type of alert usually lasts a relatively short time,” he said, but the current one “may last for some period of time.”
If you’re planning upcoming travel, you can monitor the State Department’s travel advisories for any destinations on your itinerary both before and during your trip. The Council on Foreign Relations, a nonpartisan think tank, also maintains an interactive Global Conflict Tracker that provides additional information for specific areas around the world.
Stay alert and listen to the news carefully when out there.
Howard Stoffer, University of New Haven
Experts warn against slipping so deeply into vacation mode that you risk losing sight of potential shifts in the political or security situation on the ground. “Be aware of your surroundings and be sure to cooperate with any increased security measures,” Price said.
Stoffer said, “Stay alert and listen to the news carefully when out there.” Otherwise, exercise the same good judgment you would under any other circumstances, like steering clear of major protests and making sure friends and family back home know where you are.
Israeli flag carrier El Al Airlines is the only airline that continues to fly between the U.S. and Israel, although its website notes that “there may be a change in the departure times of some flights.”
Major U.S.-based airlines that previously offered regular service to Tel Aviv, including American , Delta and United , have issued travel alerts for the Middle East and suspended all flights to Israel. United has also issued a travel alert for its flights to Amman, Jordan, but service there is continuing.
The suspensions include direct flights out of major hubs such as Atlanta, Boston, Chicago, New York City, San Francisco and Washington, D.C., as well as connecting flights on partner airlines, said Scott Keyes of the flight deal website Going.
In general, travelers who booked to Israel on U.S. carriers on or before Oct. 6, the day before Hamas attacked Israel, are typically being offered the option to either cancel their trips and request refunds or to rebook in the same cabin and between the same cities on different dates with no change fees or fare differences. (United is also offering to waive change fees on flights to Amman.)
“These waivers apply regardless of what fare class you’ve booked,” Keyes said. “Even otherwise restrictive basic economy tickets may be rescheduled or canceled for a full cash refund.”
Right now, the rebooking options are available through Dec. 31 on United, from Dec. 5 through Jan. 31 on American and through Sept. 6, 2024, on Delta.
Travelers can expect to see a larger law enforcement and canine presence.
TSA spokesperson Robert Langston
With Delta having already extended the dates of its rebooking provisions, Keyes said, “it’s all but certain other U.S. airlines will extend their travel waivers for at least as long as the escalated hostilities continue.”
At airports and other transportation hubs, “travelers can expect to see a larger law enforcement and canine presence,” said Robert Langston, a spokesperson for the Transportation Security Administration.
The TSA is operating at a “heightened level of security as a result of world events and the current threat environment,” he said. Officials there and at its parent agency, the Department of Homeland Security, will continue to monitor the situation and adjust their security measures as needed.
Security checkpoints lines at airports could get longer because of the increased measures, Price said, but “if things are getting out of hand, TSA can also speed up lines by reducing random checks.”
A handful of cruise lines have made changes to scheduled sailings in the Eastern Mediterranean and the Middle East, said Aaron Saunders, a senior editor at Cruise Critic.
“The changes range from the cancellation of full sailing seasons to adjustments to itineraries that remove select ports,” he said.
Windstar Cruises, Royal Caribbean and MSC are among the cruise lines that have pulled all their ships out of the region because of the conflict, Cruise Critic has reported , while Norwegian Cruise Line has informed passengers on a coming Rome-to-Athens cruise that stops in Israel will be skipped.
“Cruise lines have teams dedicated to monitoring the latest news and updates and reserve the right to adjust their plans as they see most fit,” Saunders said.
He encourages anyone with a cruise reservation to watch for emails from the operator for updates on specific sailings, as well as any compensation being offered for significantly affected ones. For those considering a cruise to the region, “we strongly recommend purchasing travel insurance,” Saunders added.
Many travel insurance policies already provide cancellation and interruption benefits in the event a terrorist attack affects a trip, according to published guidelines from the travel insurance comparison platform SquareMouth.
But in most cases, those benefits kick in only for policies purchased before the date of the attack, meaning such coverage would apply for the current conflict only on insurance taken out on or before Oct. 6.
Travelers with coming trips to Israel who have cancellation and interruption benefits may be reimbursed for 100% of their trip expenses if they need to cancel, SquareMouth noted. Travelers planning to visit Israel as part of trips may also be covered if they need to cut their itineraries short.
Harriet Baskas is an NBC News contributor who writes about travel and the arts.
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Gas prices dip further, bringing drivers relief ahead of Thanksgiving: AAA
More americans intend to travel during the thanksgiving holiday, gasbuddy survey says.
In ten states, the average gas prices are below $3 a gallon, according to AAA. ( iStock )
If gas demand and oil prices remain at lower levels, drivers can prepare for more price drops at the pump leading up to Thanksgiving.
The national average price of gas dipped to $3.34, a six-cent drop from the week prior, according to the latest report from AAA. Pump prices on average are 26 cents less than a month ago and 40 cents less than a year ago. Since reaching its peak in 2023, the national average has either fallen or remained flat for 60 straight days, AAA noted.
"Drivers this Thanksgiving can expect cheaper gas prices," AAA spokesperson Andrew Gross said. "Ten states now have sub $3 a gallon averages, and more will join soon. And there are thousands of individual stations below $2 per gallon. So savvy drivers will find savings on their way to a turkey dinner this year."
The West Texas Intermediate (WTI) – an oil price benchmark – decreased by $1.60 to $76.66 at the close of Wednesday's formal trading session. Gas demand fell from 9.49 to 8.95 million barrels per day last week, according to new data from the Energy Information Administration (EIA).
Oil prices declined as tensions over a potential escalation in the Middle East subsided.
If you want to lower your car ownership costs, you could save by shopping for cheaper auto insurance to reduce your monthly premiums. Visit Credible to speak with a car insurance expert and get your questions answered.
FLAT OCTOBER INFLATION LEAVES CONSUMER PRICES UNCHANGED
Average U.S. gas prices at glance
Since last week, these 10 states have seen the largest decreases in their average gas prices, according to AAA.
- Montana (-14 cents)
- Florida (-14 cents)
- Colorado (-13 cents)
- Utah (-12 cents)
- North Dakota (-11 cents)
- Arizona (-10 cents)
- Iowa (-10 cents)
- Kansas (-9 cents)
- Nebraska (-9 cents)
- Nevada (-9 cents)
Fuel costs in ten states are below $3 a gallon. Here are the country’s top 10 most affordable markets.
- Texas ($2.81)
- Mississippi ($2.82)
- Georgia ($2.84)
- Louisiana ($2.89)
- Oklahoma ($2.91)
- Alabama ($2.92)
- Arkansas ($2.93)
- Missouri ($2.96)
- South Carolina ($2.96)
- Tennessee ($2.97)
If you are looking to lower your car insurance costs, you can take steps to reduce your auto insurance payments. Using a marketplace like Credible lets you compare multiple providers and find your personalized rate in minutes without affecting your credit score.
BUYERS PAID 46% MORE FOR MORTGAGES IN 2022, CFPB REPORT SAYS
More Americans looking to travel for Turkey Day, GasBuddy says
Growing numbers of North American drivers are gearing up for Thanksgiving travel, according to GasBuddy’s annual Thanksgiving Travel Survey .
"Forty-one percent of respondents said they plan to take a road trip this year, an 8% increase from 2022," per the survey results. "Additionally, the national average price of gas is projected to drop to $3.25 per gallon, saving Americans nearly $1.2 billion during holiday travel compared to last year. Fewer respondents (36%) also said their plans were affected by high prices this year than last year, further demonstrating the relief at the pump."
Patrick De Hann, the head of petroleum analysis for GasBuddy, shared insights on how drivers are taking advantage of the lowest prices seen since last winter.
"Average gas prices have plummeted in all 50 states in the weeks ahead of Thanksgiving, with $2.99 prices spreading like wildfire just in time for the start of the holiday season," De Hann said. "Drivers will be saving over half a billion dollars from Wednesday through Sunday compared to what they spent last Thanksgiving with the national average at its lowest since January."
Nineteen percent of participants cited inflation as the primary factor for avoiding travel, while a significant portion of respondents (46%) noted gas prices as the main consideration when choosing a pitstop.
Various factors can impact your car insurance rate — from your credit score to your driving habits. Shopping for the best provider is a time-tested way for drivers to help reduce their car insurance costs. Visit Credible to speak with a car insurance expert and get your questions answered.
WATER DAMAGE IS A BIG HOME RISK – HERE’S HOW YOU CAN AVOID A DISASTER
Have a finance-related question, but don't know who to ask? Email The Credible Money Expert at [email protected] and your question might be answered by Credible in our Money Expert column.
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Best dental insurance of 2024
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
Updated 11:31 a.m. UTC Nov. 16, 2023
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The best dental insurance plan is Anthem Essential Choice PPO Platinum, according to our analysis. We evaluated dental plans by rates, annual maximum benefits, waiting periods and coverage levels to determine the best dental insurance.
The best dental insurance plans of 2024
- Anthem : Best dental insurance for root canals and crowns
- Guardian : Best dental insurance for dentures
- Ameritas : Best dental insurance for seniors on Medicare
- Cigna : Best dental insurance for orthodontics
- Humana : Best cheap dental insurance
- Spirit Dental : Best dental insurance for preventive care
Why you can trust our small business experts
Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 28 dental insurance plans evaluated.
- 588 data points analyzed.
- 5 levels of fact-checking.
Top-rated dental insurance of 2024
Best dental insurance for root canals and crowns.
Top scoring plan
Annual deductible, dental network, what you should know.
Anthem has one of the largest networks of dentists nationwide. It is one of the few dental insurance companies that doesn’t have a higher coinsurance percentage if you go out-of-network. But there is a significant discount if you stay in-network.
Although there’s a six-month waiting period for major dental work, like crowns, root canals, implants and oral surgery, you’ll only pay 50% coinsurance after meeting your deductible. Crown, denture and bridge repair and adjustments are also covered at 50%.
If you don’t meet your $2,000 per-person annual maximum, you can carry over some of the unused portion into the following plan year.
Anthem’s standalone individual and family plans are only available in these states: California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia and Wisconsin.
Pros and cons
- 100% coverage for preventive care with no waiting period.
- 80% coverage for basic services like fillings.
- 50% coverage for teeth whitening.
- Dependent children coverage for orthodontics and braces through age 18 ($1,000 lifetime benefit).
- Only available in 14 states.
- Top-scoring plan is more expensive than others in our rating.
- Three-month waiting period for basic services like fillings and extractions.
- Six-month waiting period for crowns, dentures, implants and deep cleaning.
- 12-month waiting period on dependent child orthodontic services.
Best dental insurance for dentures
Guardian has a vast network of more than 120,000 dentists. The Guardian Diamond dental insurance plan offers 50% coverage for dentures and implants after a 12-month waiting period.
Although there’s a lifetime maximum of $1,000 for dental implants, you can use the full $1,500 annual maximum to help pay for your dentures. There’s no waiting period for preventive and basic care, which includes oral exams, cleanings, X-rays, fillings and simple extractions.
- Preventive care is covered at 100% with no waiting period.
- Basic care is covered at 80% with no waiting period.
- Major dental work and dependent child orthodontia covered at 50%.
- Teeth whitening covered at 50% after a six-month waiting period.
- Slightly above-average premiums compared to other dental insurers.
- 12-month waiting period on dentures and implants.
- $1,000 lifetime maximum on orthodontia and dental implants.
Best dental insurance for seniors on Medicare
The Ameritas PrimeStar Complete dental plan is available for people of all ages, but may be of particular interest to seniors on Medicare . With this dental plan, you also get benefits for hearing exams and hearing aids. Depending on your Medicare plan, you may have to pay for a hearing exam, so this coverage can help. Original Medicare doesn’t cover hearing aids, so you’d be out of pocket for the total cost without extra insurance.
The PrimeStar Complete plan offers a $75 hearing benefit. It will cover up to $200 for hearing aids from the start of the policy. Benefits increase to $300 in year two and $400 in year three.
Both plans offer PPO coverage, so you can see an in-network or out-of-network dental provider, though you’ll pay less if they’re in-network. There is no deductible for preventive services but there is a $50 per person per year deductible for basic and major dental work. Benefit coverage for basic and major services increases after the first year of coverage.
- Hearing exam and hearing aids benefit available to members of all ages.
- Hearing benefit is separate from dental benefit maximum.
- $3,000 benefit maximum after the first year (a $500 increase).
- No waiting periods. 100% complete coverage from day one.
- Low $50 per person annual deductible.
- PrimeStar Complete plan does not provide teeth whitening coverage.
- PrimeStar Complete plan does not have a child orthodontics benefit (Boost plan does).
Best dental insurance for orthodontics
Most dental insurance plans only cover orthodontics for children up to age 18 or 19, but the Cigna Dental 1500 plan doesn’t have an age limit. You can use the $1,000 orthodontia lifetime maximum to cover 50% of your in-network costs after a $50 lifetime deductible.
Preventive care and diagnostics are covered in-network 100% and with no waiting period, while basic services like fillings, extractions and emergency treatment are covered in-network at 80% after a six-month waiting period.
- Below-average premiums compared to other dental insurance providers.
- Preventive care covered at 100% in-network with no waiting period.
- No age limit on orthodontia and braces.
- 12-month waiting period on major services and orthodontics.
- $1,000 lifetime maximum on orthodontia.
- You pay the difference on billed charges plus coinsurance for out-of-network care.
Best cheap dental insurance
The Humana Preventive Value plan is the cheapest option in our rating. There are no waiting periods to keep track of or an annual maximum to worry about hitting early in the year. And there’s one lifetime deductible to meet, from $50 as an individual to $150 for a family of three or more.
The Preventive Value policy covers preventive services at 100% for in-network and 80% for out-of-network providers. For basic care, like fillings, extractions and emergency pain relief care, Humana will cover 50% of expenses in-network or 30% out-of-network.
- Unlimited coverage after meeting lifetime deductible and paying coinsurance.
- Cheap monthly premium compared to competitors.
- Low lifetime deductible to meet.
- In-network discount averages 28%.
- Only covers preventive and basic care.
- No coverage for major care, dentures, implants, orthodontics or teeth whitening.
Best dental insurance for preventive care
Spirit Dental covers preventive, basic and major dental services with no waiting period, so you can start using your benefits on the first day of your plan. Preventive services are covered at 100% and include two exams and three cleanings per year.
Spirit Dental’s Core Network plan offers up to $1,200 annually after a $100 lifetime deductible. Your coinsurance amount for major services is 75% in the first year and 50% each year after that.
- No waiting periods for any covered dental care.
- Preventive care is covered at 100%, including two exams and three cleanings per year.
- $1,200 lifetime maximum for orthodontics for each child under 19.
- Core Network plan has below-average premiums.
- Fillings and simple extractions fall under major care, while competitors class as basic care.
- Only 25% of major care is covered in the first year.
Compare the best dental insurance quotes
Monthly dental insurance premiums are based on a 30-year-old female in California. Your rates may differ.
To find the best dental insurance we scored 28 standalone dental plans. Only the top-scoring plans from each company are shown. Benefit details can vary by state, so check the plan brochure for details. Ratings are based on the following criteria.
Cost: 40 points. We compared monthly rates for a 30-year-old female in California. When California wasn’t available we used Texas. Annual maximum insurance payout: 10 points. Basic care payout level: 10 points. Major care coverage in the first year: 10 points. Coverage for implants: 10 points. Coverage for orthodontia: 10 points. No waiting period for preventive care: 5 points. Basic care waiting period: 5 points.
What is the best insurance to have for dental?
The best dental insurance is sold by Anthem and Guardian, based on our analysis of cost and coverage. The best dental insurance for you will depend on your overall dental health, future dental needs and how much you’re willing to pay for dental care.
If you are on top of your oral health, a policy that covers preventive care at 100% is a good idea. Orthodontic benefits for children is also something to consider if you need family coverage, said Dr. Arun Narang, CEO at Dr. Arun Narang & Associates Smile by Design.
Seniors have a much greater risk of gum disease, so they should look for dental plans covering periodontics, said Dr. Narang. Older adults should also consider dental coverage for major procedures involving appliances like bridges, dentures and partials.
Types of dental insurance plans
- HMO: A dental health maintenance organization (HMO) policy only covers services you receive from an in-network dentist. You get low-cost premiums and flat coinsurance fees in exchange for staying in the network. Some plans don’t have waiting periods or annual maximums for covered dental services.
- PPO: A preferred provider organization (PPO) plan allows you to go out-of-network, though you’ll pay less if you stay in the network. You’re also typically subject to annual coverage maximums and waiting periods, which can vary by service type.
- Fee-for-service: Also called indemnity plans, these allow you to see any dentist you want. The plan will cover a percentage of your dental care while you pay the rest.
- Dental discount plans: Rather than have an insurance company dental plan, you get a discount on services at participating dentists.
“If [you] are generally healthy, sometimes joining a dental practice’s wellness plan or just paying for the hygiene visit will serve you better than getting a traditional dental insurance plan,” said Dr. Dee Dee Meevasin, owner of Dee for Dentist.
Best dental insurance company for major work
Major dental work can be expensive, and coverage from the top dental insurance companies can vary. The best dental insurance for major work depends on the type of procedure you need, how much you want to pay and how soon you need the work done.
- Anthem’s Platinum PPO covers crowns, root canals and dentures at 50% after a six-month waiting period and a $50 per-person deductible. The plan also has a generous $2,000 annual maximum.
- Ameritas PrimeStar Complete dental plan may be the best fit if you need major work done sooner than later. There are no waiting periods, and you’ll have $2,500 in coverage from day one, though you’ll pay higher coinsurance in the first year.
- Cigna Dental 1500 plan is an excellent choice if you need braces, especially as an adult, because it has no age limit for orthodontia. It will cover 50% of in-network costs up to $1,000.
- Spirit Dental’s Core Network plan will cover up to $1,200 for children’s orthodontics but only pays 10% in the first year and 25% in the second year.
How much does dental insurance cost?
The average cost of a dental insurance policy with comprehensive coverage is $49 per month , according to our analysis. A preventive care dental insurance plan costs an average of $24 per month.
How much you pay for dental insurance can depend on factors such as:
- Your gender.
- Your state.
- Whether you’re insuring just yourself or your entire family.
- Policy type you choose (HMOs are cheaper than PPOs).
- Plan you choose (policies with less coverage will be cheaper per month).
- Coinsurance amount.
- Deductible .
- Policy’s annual maximum.
What does dental insurance cover?
Although dental coverage can vary by insurance provider, there are four main categories dental procedures and services usually fall under.
- Preventive and routine care: Dental exams, teeth cleanings, dental X-rays, sealants and fluoride treatments.
- Basic dental care: Fillings and simple extractions.
- Major dental care: Crowns, inlays, oral surgery, complex extractions, root canals, periodontics and bridges.
- Other services: Dentures, orthodontia and dental implants may be listed as major services or separate categories.
Concerned about the cost of implants? How to get dental implants covered by insurance
Some dental insurance providers offer a comprehensive plan that includes other benefits, like vision or hearing. The Ameritas Complete plan, for instance, offers a hearing exam benefit with some coverage for hearing aids. But usually for these benefits, you’d need to add a vision plan or hearing plan to your dental plan for an additional cost, or purchase them as standalone policies.
What does dental insurance not cover?
Not everything will be covered by your dental insurance. Exclusions vary by plan but often include:
- Adult orthodontia. Children may have coverage for orthodontics, such as braces, but there is typically a lifetime coverage maximum of $1,000.
- Cosmetic dentistry services, like veneers and dental bonding.
- Teeth whitening, though some plans include coverage after a waiting period.
What to look for in a dental insurance plan
There are several things to look for when searching for a dental insurance plan. If you have excellent oral health, you likely have different dental needs than someone with severe dental issues.
Check for waiting periods
Although most dental plans don’t have a waiting period for preventive and basic care, you’ll usually encounter at least a six-month waiting period for major care. However, if you previously had dental insurance through your employer, some providers will waive certain waiting periods, said Dr. Cary Sun, Cigna’s chief dental officer. It’s worth checking to see which dental insurers offer this benefit if you need major dental work done.
Is your dentist in-network?
If you like your current dentist, ask them which dental insurance plans they accept. You won’t have coverage for out-of-network dentists with an HMO, and you’ll pay more if you go out-of-network with a PPO plan. Choosing an in-network dentist can help you save on dental care.
Compare out-of-pocket costs vs. premiums
Consider the out-of-pocket costs compared to the monthly premiums. While some plans have inexpensive premiums, you’ll pay higher coinsurance when you use the coverage. Depending on the type of dental work you need, you could save more on out-of-pocket expenses if you choose a more comprehensive plan with higher monthly premiums.
And don’t forget to check the maximum amount the plan will pay. Most plans have an annual maximum that the insurance company will pay. But some have a lifetime maximum. So, if the policy has a $2,000 lifetime maximum, that’s the most the insurer will pay over the life of the policy.
Also keep an eye out for lifetime maximums for certain benefits, such as $1,000 for a child’s orthodontia.
Look for graded benefits
Some dental insurance plans have graded benefits, meaning you’ll pay higher coinsurance in the first year than in later years. The coinsurance is the percentage of care you pay compared to how much the insurance company pays. Consider buying a plan that pays the highest coinsurance amount from day one.
How to buy dental insurance
There are several ways to buy dental insurance.
- Direct from the insurance company: Many insurance companies offer standalone dental insurance plans, including all of the top-scoring plans in our analysis. Comparing dental plans can help you find the coverage you need at affordable prices.
- In the health insurance marketplace: The Healthcare.gov marketplace has standalone dental plans you can purchase in addition to health insurance policies.
- Through your employer: Many employers offer dental insurance as part of the employee benefits package. Group dental insurance is usually the cheapest option, though you’re limited to the company and plans your employer offers.
Dental insurance is not included in a health insurance plan, but you can buy standalone dental insurance to cover your dental needs. If you don’t have dental insurance through work, you can find a broad range of plans through the Affordable Care Act marketplace or from the insurance company directly. You can find the best cheap dental insurance by comparing plans online.
Whether dental insurance is worth it depends on your dental needs and procedure costs at your preferred dental office. Insurance coverage can make dental treatment more affordable for some. Comparing the cost of dental care to dental insurance rates and your out-of-pocket costs can help you determine whether the cost of a dental policy is worth it to you.
Choosing an HMO or PPO for dental care depends on whether your preferred dentist is in the provider’s network. A dental HMO has cheaper premiums, but you must use an in-network dentist. A dental PPO offers more freedom with the ability to choose an out-of-network dentist, but you’ll pay higher premiums.
The most popular types of dental insurance coverage are preferred provider organization (PPO) plans, according to the National Association of Dental Plans (NADP). PPO dental insurance policies offer the flexibility of using an out-of-network dentist but come at a higher cost than an HMO. Dentists agree on a contracted price per procedure and agree not to balance bill you for the difference if their actual fees are higher.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.
Heidi Gollub is the USA TODAY Blueprint lead editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.
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