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9 Tried-And-Tested Marketing Ideas For Insurance Agencies

Insurance ,  marketing ideas , .

A well-planned marketing strategy can do wonders for your insurance business.

From improving brand awareness to increasing sales, the right marketing can skyrocket the growth of your insurance agency.

Creating a winning campaign may seem complicated but combining traditional and digital marketing strategies can make the process easier.

This article will cover nine brilliant marketing ideas for insurance agencies and how call tracking can help you leverage these strategies for maximum impact .

We will also introduce you to the ultimate conversational AI solution to measure the success of your marketing efforts.

This Article Contains

(Click on a link to jump to a specific section.)

• 9 Brilliant Marketing Ideas for Insurance Agencies
• How to Make the Most Out of Your Marketing Ideas Using Call Tracking?
• Best Call Tracking Solution: iovox Conversational AI

Let's get started!

9 Brilliant Marketing Ideas For Insurance Agencies

The best marketing ideas help you communicate value to your customers clearly and encourage them to take action by purchasing your products.

Use these marketing ideas to acquire potential customers effectively.

Referral Programs

Most customers trust recommendations from their friends, family, or acquaintances more than any other form of advertising.

A referral marketing strategy taps into your existing customer base and uses their connections to connect with a potential customer. This helps insurance agents quickly generate new insurance leads with minimal effort.

Encourage your customers to participate in your referral program by offering them exciting incentives, such as:

• Cashback offers

You can also offer tiered rewards that increase in value if the customer makes a certain amount of successful referrals for your insurance business as an added incentive.

Don’t forget to market and promote your referral programs through digital marketing channels like social media and email marketing so that your customers are aware of them!

Hand Out Business Cards

While many businesses today rely on digital marketing and online marketing strategies, insurance agents and local businesses have always handed out business cards to introduce themselves.

And for a good reason.

Cards with a person’s contact information, such as name, address, email, and phone number, add a human touch and offer an instant recall value.

You can distribute your business cards in the following ways:

• Hand them out to your leads after a meeting.
• Partner with newspapers or sellers of insurance magazines, asking them to attach your business card to relevant pages.
• Attend industry-relevant events or webinars related to your insurance business. For example, if you sell life insurance policies, participate in health-related seminars and conferences.
• Share your card with other salespeople or local businesses when interacting with them.

Sponsoring Events

Sponsor events that align with your insurance product.

For example, if you are a health insurance agent or work in the health insurance industry and sell life insurance policies, you can sponsor an event related to heart health, fitness, or well-being.

You can forge partnerships or sponsor charities, webinars, or other events relevant to your insurance industry within your local community.

This helps you meet other insurance agents and salespersons to build your network and share your industry knowledge.

Hand out goodies such as keychains, pens, notepads, etc., with your organization's branding.

Prepare for such events by staying in touch with the organizations and authorities or subscribing to their email newsletters to receive regular updates.

Guerrilla Marketing

A guerrilla marketing strategy is a marketing tool that involves using unconventional means to evoke a feeling of shock, surprise, or wonder, to get the customers talking about your services.

It differs from traditional billboard, television, and print advertising.

You can conduct guerrilla marketing activities in local communities or public settings, like the streets, parks, beaches, shopping centers, sporting events, concerts, festivals, etc., for maximum exposure.

Creative and unconventional means of promotion will help your insurance product stand out among the competitors.

Here’s an example to help you better understand this strategy:

Novocortex, a Dutch online car insurance company , placed easy-to-remove stickers with scratches on expensive cars and filmed the reactions of the car owners with hidden cameras.

This video was posted on YouTube and has crossed thousands of views, bringing in tons of traffic.

However, remember that going overboard and using the wrong tactics can also harm your insurance agency marketing and your business reputation. So tread carefully when it comes to guerrilla marketing.

Social Media Marketing

Social media marketing can help you build trust and credibility by allowing you to engage directly with your client.

Moreover, quick responses to customer queries via social media can further help you build relationships with your current clients and improve customer loyalty.

Facebook, Instagram, Twitter, and LinkedIn are just a few leading social media platforms that can help insurance agents cast a wide net to look for a potential customer.

And while each of them has a distinct prerequisite for social media marketing, follow some of these guidelines to improve the social media presence of your insurance agency on your social media platform:

• Add a professional profile picture containing the logo of your insurance company or yourself, if you are an independent insurance agent, along with an engaging cover photo.
• Use call-to-action buttons for calls or website links that your client can click on to contact you directly.
• Use Facebook marketing to reach a larger audience.
• Offer transparent information about you, your agency, and your services.
• Share insurance industry news, blog posts, tips, and information your target market will find beneficial.
• Engage with followers and commenters regularly.
• Seek feedback and address common client queries and complaints via your social media page.

Online Reviews

Positive reviews can be helpful for an insurance agency to win the trust of any potential client.

Online reviews by happy customers are more believable than pay-per-click (PPC) advertisements and leave a better impression.

It gives your potential client an insight into your work and how your customers have benefitted from your services.

Agents can encourage their current clients to leave an online review or testimonial by dropping them a message, an email, or a pre-written template where they can add their reviews.

Make sure you add and highlight your online review on your search engine business pages, your official website landing page, your social media platform pages, and email newsletters.

Email Marketing

Insurance agents can utilize an email marketing strategy to improve lead generation, keep in touch with the current or potential customer, and drive referrals.

You can share blogs, email newsletters, or other posts about your insurance product and policies to attract customers and promote your insurance company.

A few things insurance agents should keep in mind while sending out email marketing campaigns are:

• Draft a compelling subject line since it's the first step to grabbing the audience's attention.
• Send mailers on relevant insurance topics with good-quality content to gain the attention of your target audience.
• Avoid sending too many promotional emails. Instead, focus on informational insurance content.
• Add your contact information, such as name and phone number, to your email signature.
• Add subscribe links to your websites and social media handles.

Video Marketing

Video marketing is a creative insurance marketing idea to engage and assist customers.

Bite-sized informative, high-quality, entertaining videos can help you reach your target audience and overcome language and literacy barriers.

Some types of videos that can deepen your audience reach include:

• Client testimonial videos
• Tutorial videos
• Videos explaining your Insurance Policy
• Videos that share best practices/ tips
• Promotional videos that highlight your achievements, etc.

Search Engine Optimization (SEO)

Search Engine Optimization involves helping your website rank higher on the search engine when prospective clients search for topics related to products or services you offer.

Compared to pay-per-click advertising or PPC, SEO is a cost-effective way for insurance agents to reach out to their potential customers.

While most searchers online skip ads that pop up on their screens, SEO can build trust and credibility and is a great technique for insurance marketing.

Here are some things insurance agents can do to execute their SEO marketing strategy successfully:

• Make a list of relevant topics based on the insurance products you offer.
• Write blogs on important insurance topics using relevant keywords.
• Add meta titles and meta descriptions to your blogs and landing pages.
• Use local SEO to make your business visible in local results.
• Publish quality content that conveys useful information and provides well-researched insurance content to your client.
• Add backlinks
• Use Google Analytics to get statistics and basic analytical tools for search engine optimization (SEO) and marketing.

You can also use free tools by Google Analytics to better understand the customer journey in your insurance marketing campaigns and increase the ROI on your insurance marketing ideas.

These insurance marketing ideas not only help you generate more traffic for your website but also bring in new insurance leads and prospective clients.

Are these ideas enough?

Choosing the right insurance policy is a challenging task for most people, so they prefer to contact the insurance agents over a phone call for better clarity.

It is essential for insurance agents to follow up and identify which marketing strategies are the most effective in driving those calls.

This is where call tracking can help you.

Call tracking helps insurance agents obtain valuable data about customer needs, measure marketing efforts, improve lead generation and conversion rates, and train their employees.

Make the Most Out of Your Marketing With Call Tracking

Conversation intelligence tools or call tracking software help insurance agencies gain insights into:

• What’s happening on a sales call
• How well your insurance brokers are handling the new clients that are coming in via your marketing campaign
• Which digital marketing campaigns are successful in bringing new customers
• How marketing plans can be optimized to add a personalized touch to your marketing strategies.

Without call tracking, it will be difficult to track the success of your insurance marketing efforts.

Ready to reap the many benefits of call tracking?

We have the perfect solution for you.

iovox: The Best Call Tracking Solution For Insurance Agencies

iovox is the all-in-one solution to your business needs and will help you improve your insurance marketing strategy.

Its conversational AI draws critical customer interaction data, such as opportunities, trends, and call outcomes from phone calls.

You can also transcribe and record your calls to analyze customer interactions, perform quality checks and encourage growth.

Here are some advanced iovox call tracking solutions that help improve your overall performance:

• Dedicated Numbers: iovox Dedicated Numbers gather important call analytical data such as call status, channel, call length, and caller ID. It can be integrated with iovox API for maximum efficiency. This helps you monetize calls and measure the performance of your marketing efforts.
• Dynamic Numbers: iovox Dynamic Numbers Call Tracking adds a pool of dedicated numbers to your account to track any prospect that visits your site, and each new customer is assigned a unique dynamic number.
• Record and Transcribe Calls: Record calls and transcribe them into searchable content that can be added to your CRM system. You can find what was said on a call and when using the automate call transcription feature.
• CRM Integrations: Use iovox CRM integrations to keep all critical sales call information in one location. Capture important conversion data, such as pages visited by the new customer before making the call and add them to the CRM record for a complete review.

Let’s look at some other iovox conversational AI features :

• Search call history: Go through your call history easily and quickly by entering the customer’s name, number, or any keywords you may have noted down during the call to obtain a history of your searched term.
• Integration with iovox Numbers: Integrate iovox Numbers with your existing products or advertisements to track calls online and measure your marketing performance.
• Trigger alerts: Get triggered alerts if the call script is not followed or any important phrases are mentioned on the calls.

Final Thoughts

With these nine marketing strategies, business owners can establish a strong presence for their insurance agency and increase brand awareness to stay ahead of the competition.

However, that isn’t all you need.

Call tracking can help you measure the success of your marketing campaign and help you derive actionable data to increase sales, build relationships and improve your overall performance.

iovox’s conversational AI helps businesses around the world turn phone calls into golden opportunities for revenue growth and performance improvement.

To connect, simply click the call button below, and we’ll be in touch with you shortly.

You can also email us at [email protected] or give us a call toll-free from within the US at +1 888 369 9519 .

From outside the US please reach us at one of these numbers:

London, UK +44 (0)20 7099 1070 Sydney, Australia +61 (0)2 8520 3530 Paris, France +33 (0)1 84 88 46 40

5 Common Call Transcription Use Cases (+ A Transcription Solution)

4 key benefits of call tracking for the insurance industry.

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10 Insurance Marketing Strategies to Effectively Market Yourself As An Agent

By Katie DeWitt

January 30, 2024

When you buy something through one of the links on our site, we may earn an affiliate commission.

The insurance industry is competitive, so you need an effective insurance marketing plan to help set you apart. We've compiled 10 insurance marketing strategies to promote yourself as an agent.

1. Reevaluate Your Insurance Website

2. focus on seo, 3. run ppc ads to your website, 4. promote your insurance agency on social media, 5. capitalize on your existing customer base, 6. start a newsletter, 7. build your in-person presence in your community, 8. partner with influencers, 9. list your insurance business in company directories, 10. create informative brochures, effective insurance marketing ideas, 10 insurance marketing strategies for promoting your insurance agency.

We discuss ten effective insurance marketing methods below.

The first step in improving your insurance marketing strategy is to reevaluate your existing marketing efforts. This starts with your website.

Potential customers will form an opinion of your insurance company based on their first impression of your website.

Your website is the focal point of all your online marketing strategies. It should be one of the biggest ways you generate leads.

Reevaluate your existing website to find opportunities for improvement.

Here are a few things you should consider when updating the website for your insurance business:

• Is your website easy for new customers to navigate?
• Does the content on your website tell the right message?
• Are the images and headshots current?
• Is your contact information correct?
• Are your call-to-action buttons effective at driving lead generation?
• Did you link your corresponding social media accounts?
• Does the design prioritize a seamless mobile experience?
• Are you taking advantage of the benefits of having a blog on your website?
• Is your website optimized for SEO?
• If you don't already have one, can you add a login portal for existing clients to access their account and policy information?

Don't be afraid to hire a professional writer to upgrade your content or a web designer to create a new landing page. When done correctly, these investments in your business can have big rewards.

Ranking high in search results is important for attracting new customers who are searching online for the right insurance company.

Focusing on search engine optimization can help your insurance business rank higher in search results.

Here are a few tips for engaging in content marketing and prioritizing SEO:

• Conduct keyword research to determine which keywords you should be targeting. This can be done with helpful tools like Semrush. Semrush is a great tool for performing keyword research for your website, blog posts, and PPC ads. Check out our comprehensive Semrush review to learn more.
• Incorporate keywords throughout your website in places like headings, URLs, and image alt text.
• Create a Google Business profile . Add your business information and work on earning positive online reviews. Google Business listings are a great way to attract new customers.
• Earn backlinks by partnering with other high-ranking websites. This involves writing content and having it published on their website.

SEO is a long-term marketing effort. Results will be built up over time, not immediately.

After you've reevaluated your website with a focus on SEO, a great insurance agency marketing idea is to run PPC ads to your new and improved website.

With PPC, or pay-per-click, ads drive traffic to your website. When someone clicks on your ad, they will be redirected to your website or landing page. They will then explore your offer or services as displayed on your website.

Some marketers direct PPC ad traffic to the company's landing page. Another option is to create a new landing page with an offer that addresses specific customer needs.

The people who are clicking on your ads are most likely interested in your insurance policies, which means this tactic can help you obtain more qualified leads. Pay-per-click tools can help you maximize your insurance marketing strategies.

When done correctly, it's an effective way to drive more leads to your insurance business website.

Building a presence on various social media platforms is a great way to market your insurance business.

Social media is a great place to reach your target market, engage potential customers, and showcase the personality of your insurance agents.

Start by determining which platform makes the most sense for you. Should you focus on TikTok, Instagram, or LinkedIn? Which platform is your target audience spending their time on?

Then, after you've decided which ones you think would be the most effective, focus all your social media marketing efforts on those ones.

You can create social media profiles for both your insurance business as a whole and your individual insurance agents can also create their own profiles.

Social media provides a great opportunity to come up with the most creative marketing ideas for positioning yourself as an industry leader.

If you've been in the insurance industry for a while, you most likely already have a network of existing customers. Incentivize your existing customers to recommend new business to you with an enticing referral program.

Referral programs provide monetary compensation for each person referred to you and becomes a customer.

This means that you're making money off of these new clients, and the people who referred them to you are also being rewarded. It's an effective way to earn insurance leads and increase sales.

The best part is that your customers already have a positive opinion of you, and they will pass this positive review on to the people they refer. They're already putting in the big insurance marketing efforts for you.

Challenge each insurance agent that works at your company to capitalize on their existing customer base to draw out potential customers. Make phone calls to these clients to see if they have anyone they would like to refer to you.

However, your referral bonus must be worthwhile. If the referral program you offer isn't worth the effort for people, then you won't see great results, and you might even end up insulting your current clients.

Newsletters are another key part of having an effective content marketing strategy for your insurance business.

Starting a newsletter is a great way to further educate your target audience about the insurance products you provide.

Insurance agents can dive deeper into health insurance, auto insurance, and other types of insurance that they offer. By sharing valuable information, you can further develop relationships with your clients.

Here are a few ideas for how you can build relationships with potential customers through your newsletter:

• Create an email funnel that nurtures new subscribers. Start with an introduction to your company, then explain an important insurance product, and so on.
• Automate follow-up emails after you have initial contact with potential customers.
• Personally invite them to local community events that you will be sponsoring or attending.
• Send them well wishes for important milestones while gently reminding them of insurance products they might need. For example, if they have a milestone birthday or get married, inform them of the different types of insurance they could need at these new stages of their lives.

Insurance agents can build up their email list over time with every new client they acquire. You can also place a call-to-action button on your website where people can sign up for your newsletter directly.

Email marketing can be a great option for insurance companies, no matter their marketing budget. Newsletters can be relatively low cost based on the size of your email list and which email marketing service you use.

Check out our article on the best email marketing software for more info.

While digital marketing is very important for promoting your agency, in-person insurance marketing is equally as important.

Here are a few insurance marketing ideas for promoting yourself in person to your community:

• Sponsor a local event that is relevant to your business.
• Partner with local businesses to leave your business cards in their lobbies.
• Take out ads in newspapers or on billboards and radio channels.
• Attend networking events where you meet other professionals in the area.

Becoming a key figure in your local community is a great way to promote your insurance marketing business and corresponding insurance agents.

You can partner with influencers to improve your content marketing strategy and increase brand awareness.

Here are a few insurance marketing strategies for partnering with influencers:

• Engage in video marketing. Have the influencer create videos where you answer their questions about insurance.
• Prioritize content marketing. Have the influencer write a blog post on their website about the importance of insurance and how they had a great experience working with you to obtain it.
• Ask to be a guest on a local podcast or radio show with a substantial following.

Influencer marketing is one of the best insurance marketing ideas because it enables you to tap into an existing audience with a trusting relationship with that particular influencer.

Now that we've discussed eight insurance marketing ideas, we still have two more helpful ideas to discuss.

One of the most effective insurance marketing strategies is listing your agency in company directories.

Company directories will help your agency reach customers in places they already trust. It will be easy for more customers to find your business when searching in directories they have used.

Being listed in company directories is another one of the most effective insurance marketing strategies because it helps your agency build trust with your audience.

Your insurance marketing strategies should also include printed materials.

Brochures, business cards, and other informative sheets should be one of your prioritized insurance marketing strategies.

For example, you could create a sell sheet detailing each insurance policy you offer. This could be handed out at the networking events you attend or posted to local businesses.

Your printed materials should give potential customers just enough information to make them want to contact you and learn more about your services.

If you're a non-designer but looking for an easy design program to help you create brochures and marketing material for your agency, Canva is a great place to start. Check out our full Canva review to learn more about this helpful design program.

We've given you ten effective insurance marketing strategies to help you promote your business. These ideas are meant to help you elevate your position within the insurance industry. We wish you the best of luck in promoting your business!

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7 Insurance Marketing Strategies & Ideas for Driving Revenue

Have you ever felt like you're spinning in circles trying to get your insurance agency noticed? Trust me, you’re not alone. 

It’s a jungle out there, full of jargon-laded pitches, high-and-mighty tech implementation, and great competition. 

Let's take it slow and break down what you can do now to make your insurance business seen.

#1 Designing a Website That Wows Your Audience

Let's start with one thing we all understand: first impressions matter a lot. Just like when you first meet someone and make a quick judgment, visiting a website for the first time works the same way. In fact, nearly 94% of first impressions are all about the website's design. 

If you have a website that’s messy, outdated, or not easy on the eyes, people won't hang around for long. They might dash off to a competitor's site, losing a potential lead for your insurance agency. Of course, you don't want that to happen.

The question is, how do you make sure they don't walk away? 

As part of your marketing strategy for insurance agency, consider these elements:

Color Scheme Reflecting Your Business

Your insurance company isn't like every other company, right? So, let your uniqueness shine through your website. When setting up the style, choose the right mix of colors - one main color, a couple of accent ones, and one for the letters.

Simple Navigation

Let's say you're trying to find a kind of insurance on a website, it's just all over the place. Frustrating, isn’t it? To avoid this, make your site straightforward. Use large headings with smaller subheadings underneath to make it clean and clear.

Responsive Design

Nowadays, everyone's scrolling on all sorts of gadgets - phones, iPads, laptops, you name it! So, make sure your website gets along with all types of devices. By building a responsive website, it'll adjust to any screen size and give your audience a great time.

You can find more tips in our recent article .

#2 Make Your Insurance Agency Shine on the Web

Ever wonder how you can move your insurance agency's website up in the search results? The answer lies in a marketing trick called Search Engine Optimization or SEO. As part of your marketing strategy for insurance agency, consider these elements:

Think of it like a magical bridge that links folks searching online directly to your agency website. You'd want your website to be the first one users see, right? That’s what SEO does. It's a key player in any winning game plan for marketing an insurance agency.

Here’s a mind-boggling fact: 

People are almost always searching the web for something they need, including the insurance company they can trust. 

You want to be their first choice. If you’re not optimizing your website for search engines, you're letting potential clients slip through your fingers. 

Here are some tips to help your insurance agency shine bright on the web:

Keywords are Key

It all starts with selecting something called "long-tail keywords". These are specific phrases, usually three words or more like "auto insurance in CA", that your website should include. The more precise you are, the more targeted your followers become. It's like using a fishing rod instead of a big net, aiming for quality over quantity.

There's a bunch of tools you can use to discover unique keywords related to insurance, for example:

• SEO PowerSuite 
• Ahrefs Keywords Explorer
• Google Keyword Planner
• Long Tail Pro
• Keyword Tool

Title Tags and Meta Tags

Title tags and meta descriptions are your BFFs in SEO. These are two little snippets of code that tell search engines what your page is all about. You want your keywords to pop up here. Though, don’t overdo it! Your title tag should be a nifty 60 characters and meta description a compact 160 characters. If it’s longer, search engines might snip it off.

Speedy Website

We all know the frustration of waiting for a slow website. Don’t let yours be the one that got away due to load times! The bar is set at two seconds - any slower and you might lose your catch. Use tools like Google PageSpeed Insights. It's like your personal gym trainer, pushing your website to be its fittest. 

If you are not sure that your website meets all the standards the customers are expecting from it, consider applying for a Core Web Vitals Audit , and fix all the issues to get better results.

#3 Share What You Know and Attract Leads!

One critical aspect of your insurance company's marketing strategy should be content marketing. It's kinda like fishing. You've got to have the right bait (content) to draw in the big fish (leads) to your website. 

The content you create and share paints a picture of you and your agency. You discuss what you know and what you're good at to keep them interested. Let's face it, insurance topics can be like tangled fishing lines, hard to understand. From health insurance to car insurance, it's often a mystery. 

Whatever you produce, be it a blog post or a slick infographic, can make a real change. It can help customers understand which insurance is a good fit. This is how you generate leads in insurance.

Giving your knowledge away can actually make you stand out on the web. It makes you the go-to expert, the trusted authority in insurance. Together with your website, it’s a powerful way to take in more traffic. How to build your content campaign? Here’re a few tips.

Topic Treasure Hunt

Start with finding out what your clients want to know about insurance. Do some snooping around, see what questions come up often. Brainstorm with your team, make it a fun catch-up activity. This research will help you hit the bulls-eye with your content every time. If you don’t have enough time or a skilled team for that, Promodo’s SEO team is here to help you out with a content strategy that sells.

Dress It Up Right

Content comes in many costumes. Blogs, infographics, even a funny meme, all can be the hero of your content. How you present your info can tip the scales in your favor. For each treasure piece of content, choose the best disguise that suits your audience.

Connect the Dots

Your content can be a road map to your website. When you write, sprinkle some internal links that lead to other pages on your site. 

These links not only keep leads longer on your site but also lead them to more useful info. Plus, it gives Google a heads up about your key pages, helping them appear in search results.

#4 Boost The Traffic with Pay-Per-Click Ads

PPC ads are one of the greatest commercial insurance marketing ideas out there. Imagine seeing your ad on the very top of search results, above all other listings. And even better, you only pay when someone actually clicks on your ad. 

Here's an exciting fact: 

And there’s more. Your ad plays a bigger role, even if nobody clicks on it. Just by being at the top, it turns heads - giving your brand a power boost. The next time they’re looking for insurance, they will remember your company.

If you are ready to try PPC for your insurance business, let's get you warmed up with some starting points:

Target the Perfect Keywords

Just like in the case of SEO, it all starts with aiming at the right keywords.

Insurance keywords are among the most expensive in Google Ads and Bing Ads and some can cost $50 or more per click due to high lifetime value of insurance customers.

 Pick long-tail keywords. Since fewer companies are competing on these words, you'll find they cost less per click. So, there's more bang for your buck! Insurance keywords are among the most expensive in Google Ads and Bing Ads and some can cost $50 or more per click due to high lifetime value of insurance customers.

We compared a few tools in our article to help you choose the right one to assist you with your PPC campaign.

Set a Wise Bid

You want to get the most out of your PPC campaign. Determine a bid amount that your budget can comfortably manage. Research tools like Google Keyword Planner can help you set the right aim.

Craft a Custom Landing Page

Creating a dedicated landing page for your PPC campaign can be crucial. You’d want your clicks to take certain actions,  so, when you create a PPC ad, design a separate landing page that focuses solely on the offer in the ad. 

#5 Make Sure Your Online Reviews Are Great

Managing reviews can be challenging. Reviews pop up all over the place, like the surprise in a jack-in-the-box.

Winning this game matters, because reviews can make or break your insurance agency's reputation. When people look for opinions, they treat reviews like advice from friends or family. 

To handle this as part of your marketing plan for insurance company, consider the following:

Keep a Hawk Eye on Review Sites

Platforms like Google, Facebook, Yelp - you never know where the next one could pop up! To stay on top, watch these platforms like a detective, so you always know what people say about your agency.

Respond to All Reviews

The magic lies in being cooperative. High-fives and thank-yous to positive reviews show people you care. And if you see gloomy faces (negative reviews), don't panic.

It’s about changing the direction of the conversation for the better. Show your understanding, apologize, and offer to fix the problem. This helps build your agency's image.

Don't Be Shy to Ask Your Friends for Some Help

Sometimes, you've got to invite others to join the review game. If you need more reviews, don't be shy to ask your clients. Encourage them to spread their experiences around. 

#6 Email Marketing 

Email marketing is a game-changing insurance marketing strategy. Imagine sending tailor-made messages to interested clients and building one-on-one connections. If you're aiming to convert leads, email marketing is your best friend! It is also a well-known fact that it costs less to keep the existing customers rather than attract new ones. Email marketing works like a charm to make that happen. 

This is one of the best insurance marketing ideas for lead conversion. Picture delivering valuable info, like special policy offers and bundle discounts, right into prospects' inboxes. 

Here's how you can ace your email marketing game:

Send Personalized Emails

First rule: not everything fits all sizes. People's interests in insurance are like different flavors of ice cream. So, to make your emails more engaging, customize them to meet each subscriber's taste. This personal touch will make them feel special and listened to. Careful segmentation will save you from sending out offers to the wrong audiences. For example, most of the fresh graduates don’t own homes, so they won’t be interested in your special house insurance offers.

Automate The Process

Now's the time to make technology work to our advantage!

Handling numerous emails can be challenging, but email automation software, like Aweber or Mailchimp can be your hero. Create, send, and monitor your emails all in one place to save the headache.

Captivating Calls to Action (CTAs)

Rally your prospects with powerful CTAs! Use irresistible CTAs that steal the show, like "Get your free quote." Entice leads to click with captivating CTAs, because who doesn't love a good deal?

#7 Light Up Your Business with Social Media Ads

Social media platforms have killer targeting capabilities. That means you can easily flag down people who are super keen on your insurance offerings.

Say, you've got irresistible bundles and policies up your sleeve. Using social media ads, you can display them right in the middle of users' news feeds. It's like pitching a billboard on the busiest city street!

Successful social media ads are visually pop. Design visuals that pop and watch as users pause their scrolling to gaze at your business.

Ready to craft stellar social media ads for your insurance agency? Grasp these best practices:

Laser-target your audience

Knock out effective ads by pinpointing your target audience. Don't only focus on gender or age, dig deeper! Uncover the small details like buying habits, interests, and hobbies to zoom in on those who'll cherish your insurance offerings.

Make visuals dance

Social media offers a visual feast to its users. Use attention-grabbing photos and videos. Remember to keep them slick and professional because quality matters!

Experiment with ad formats

When you launch your social media ad campaign, don’t play it safe! Test different ad formats and see which one clicks. Sure, the options vary from platform to platform, but the fun of exploration never ends!

Final Thoughts

The world of insurance marketing can be complicated. But by focusing on these strategies, you can attract more clients and increase revenue. Marketing ideas for insurance include building a strong website, search engine optimization, and managing online reviews. 

Remember, lead generation for insurance is about reaching your target audience where they are and offering solutions that meet their needs. Happy marketing!

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13 Insurance Agent Marketing Strategies to Drive Revenue

Insurance agents often find themselves at a crossroads. The path to success is fraught with competition, changing consumer behaviors, and the relentless pressure to meet sales targets.

It’s a landscape where standing out doesn’t just mean being different; it means being smarter, more relatable, and ahead of the curve. This is where insurance marketing comes into play.

Whether it’s the intricacies of a commercial insurance policy or the nuances of health insurance marketing strategies, the goal remains to drive revenue through effective outreach and engagement.

Developing a solid insurance marketing strategy is essential for insurance agents. Today, we’ll explore 13 insurance agent marketing strategies to navigate and conquer this maze, ensuring your message resonates with the right audience at the right time.

What Is Insurance Marketing?

13 insurance agent marketing strategies, grow your insurance business & reah with demandhub, frequently asked questions about insurance marketing.

Insurance marketing includes the strategies and tactics insurance agents and companies use to promote their services, engage with potential clients, and retain current customers.

It’s a multifaceted approach that blends traditional marketing methods with digital innovations. The goal is to reach a broader audience while targeting specific demographics with tailored messages.

At its core, insurance marketing is about building relationships and trust. It involves understanding the needs and concerns of your potential clients and then communicating how your insurance products can address those needs effectively.

Effective insurance marketing requires a keen understanding of the market, the competition, and the latest trends in consumer behavior. It means being adept at using various platforms — from social media and email campaigns to webinars and face-to-face networking events — to connect with and educate your audience.

The ultimate goal? To convert prospects into loyal customers, driving revenue and achieving business growth.

1. Leverage Social Media to Build Relationships

Social media is a powerful tool for insurance agents. Platforms like Facebook, LinkedIn, and Instagram offer unique opportunities to connect with potential clients. Agents can foster community and trust by sharing insightful content, engaging in conversations, and showcasing client testimonials.

78% of consumers are more willing to buy from a company after having a positive experience with them on social media. That means a single like can go a long way.

Image Source: 99social

To truly understand your customers and address their concerns, become a social listening ninja. Here’s how you can become one:

Stay Alert with Notifications

Set up notifications for brand mentions, relevant keywords, and popular hashtags related to the insurance industry. This ensures you catch customer comments and concerns in real time, allowing you to respond promptly and show you care.

Engage Actively with Your Audience

Don’t be a passive observer - actively engage with your audience. Schedule specific times in your day to immerse yourself in social media. Scroll through comments, answer questions, and address concerns head-on. Remember, responsiveness is key!

Foster Positive Interactions

Go beyond just responding to mentions. Take the initiative to seek out customer sentiment and participate in relevant conversations. Join social groups, engage in discussions, and share valuable content. By fostering positive interactions, you’ll build meaningful relationships with your audience.

Think of social media as a two-way street. Listen attentively to your customers, address their needs, and participate in the conversation. Doing so will transform your social media presence into a hub for customer engagement, ultimately boosting your brand image and customer satisfaction.

2. Content Marketing that Educates

Create valuable content to address common questions and concerns of your clients and prospects. It can position you as a trusted authority in the insurance field. Whether through blog posts, videos, or infographics, informative content can help demystify insurance topics, making them more accessible to your audience.

Companies that blog receive 97% more links to their website , highlighting the importance of content marketing.

3. Email Marketing Campaigns

Personalized email campaigns keep you in touch with your clients and prospects, providing updates, tips, and offers relevant to their needs.

Segmented email campaigns drive a 760% boost in revenue , demonstrating the effectiveness of targeted email marketing.

By dividing your email list into specific groups based on demographics, insurance needs, past interactions, or policy types, you can tailor your messages to resonate more deeply with each segment.

How to Segment Your Email List?

• Demographics: Age, location, gender, and occupation can influence what insurance products are relevant to your audience.
• Policy Type: Group clients based on the policies they hold—life, health, auto, commercial—to provide targeted advice and updates.
• Engagement Level: Identify clients who frequently open your emails versus those who don’t tailor your engagement strategy.
• Customer Lifecycle Stage: New leads, current clients, and long-term customers each have different needs and interests.

Image Source: PolicyBazaar

Types of Insurance Marketing Emails to Send

• Welcome Emails: For new clients or leads, a warm introduction and overview of how you can assist with their insurance needs.
• Educational Content: Tips on saving money on premiums, understanding insurance policies, or preparing for common risks.
• Policy Renewal Reminders: Personalized reminders that prompt action and offer to discuss potential policy updates or improvements.
• Exclusive Offers: Discounts or special offers on policies, available only to email subscribers.
• Newsletters: Regular updates to share valuable insights, company news, or relevant articles keep your audience informed and engaged.
• Feedback Requests: Encouraging clients to share their experiences or suggest improvements to build a customer-centric brand.
• Referral Programs: Inviting satisfied customers to refer friends or family in exchange for rewards or discounts.

Each email type serves a specific purpose in nurturing your relationships with clients and guiding them through their insurance journey. You can enhance client satisfaction, improve retention rates, and drive revenue growth by delivering relevant and valuable content.

Remember, the goal of your email marketing strategy should be to deliver the right message to the right person at the right time. It creates a personalized experience that resonates with each recipient.

4. SEO Optimization

Search Engine Optimization (SEO) increases your website’s visibility in search engine results, making it easier for potential clients to find you. By optimizing your site with relevant keywords, you can attract more qualified traffic.

Websites on the first page of Google receive 95% of web traffic, underscoring the value of SEO. Here are several strategies to enhance your SEO and boost your website’s ranking:

Keyword Research and Optimization

Use tools like Google Keyword Planner or SEMrush to find keywords related to insurance services that potential clients are searching for. Incorporate these keywords naturally into your website content, blog posts, and meta descriptions to improve relevance and visibility.

Quality Content Creation

Create and share high-quality, informative content that addresses the needs and questions of your target audience. This can include blog posts, industry reports, and helpful guides. Use keywords strategically. Include relevant keywords in your content, but focus on readability and providing value to your audience.

On-Page SEO

• Meta Descriptions and Title Tags: Write compelling meta descriptions and title tags that include your target keywords. These elements are critical for click-through rates from search results.
• URL Structure: Ensure your URLs are clean and user-friendly, and include keywords where appropriate.

Mobile Optimization

Ensure your website is mobile-friendly; a significant portion (64%) of searches are conducted on mobile devices. Moreover, improve your website’s loading speed on mobile devices to reduce bounce rates and enhance user experience.

Remember, SEO is a long-term investment, and consistency is key to achieving and maintaining high rankings in search engine results.

5. Networking and Referral Programs

Building a solid network of professionals and satisfied clients can lead to valuable referrals. Offering referral incentives can motivate clients to spread the word about your services. Referral marketing generates 3-5x higher conversion rates than any other channel.

Becoming a member of local business associations or chambers of commerce can lead to valuable networking opportunities. These groups often hold meetings, mixers, and other events where you can meet other business owners and community leaders. These connections can lead to referrals, partnerships, and other opportunities to grow your business.

6. Use Customer Reviews and Testimonials

Positive feedback from satisfied clients can significantly influence potential customers. Display reviews and testimonials on your website and social media to build credibility and trust. 88% of consumers trust online reviews as much as personal recommendations.

Here’s how to collect and leverage them effectively:

Ask Satisfied Clients

The simplest way to gather reviews is by asking your clients directly after you’ve provided them with service. Most happy clients are willing to share their positive experiences if asked.

Email Follow-Ups

After completing a service, send a follow-up email thanking your client for choosing your insurance services and kindly ask for a review. Include direct review links to your Google Business listing, Facebook page, or any other platform where you want to collect reviews.

Leverage Social Media

Encourage your followers to share their experiences by posting on your social media platforms. Engage with those who leave comments or reviews to show appreciation and encourage others to do the same.

Incentivize Reviews

Offer a small token of appreciation for clients who take the time to leave a review. Ensure it complies with the guidelines of the review platform to avoid the appearance of buying reviews.

Highlight Testimonials on Your Website

Once you’ve collected testimonials, showcase them prominently on your website. This can include a dedicated testimonials page or highlighted reviews on your homepage.

Respond to Reviews

Engage with both positive and negative reviews professionally. Thanking clients for positive reviews and addressing any concerns raised in negative reviews demonstrates your commitment to customer satisfaction.

7. Host Informative Webinars and Workshops

Free educational webinars and workshops on important insurance topics can attract potential clients by offering them valuable knowledge. This positions you as a helpful advisor, not just a salesperson. Webinars are reported to convert at a rate of up to 30% , making them a highly effective marketing tool.

Hosting free workshops or seminars on topics related to insurance can position you as a trusted local expert. These events provide value to the community by educating them on important issues like financial planning, health insurance options, or how to protect their property. It also allows you to introduce your services to an engaged audience gently.

8. Targeted Advertising

Online advertising platforms allow precise targeting based on demographics, location, and interests. By creating ads that speak directly to the needs of your target audience, you can increase the effectiveness of your marketing efforts. Targeted ads are twice as effective as non-targeted ads.

9. Interactive Tools and Resources

Tools like insurance calculators or quizzes engage users and provide personalized advice, making the buying process more interactive and tailored to individual needs. Websites with interactive content have been found to generate twice as many conversions compared to passive content.

10. Local Community Involvement

Participating in local events and initiatives can increase your visibility and brand awareness in the community. This grassroots approach to marketing can lead to more personal connections and business opportunities.

Here’s how you can effectively engage in local community involvement:

Sponsor Local Events

Sponsoring local events, such as charity runs, school fairs, or community festivals, can significantly boost your visibility. It’s an effective way to get your brand in front of a local audience in a positive light.

Plus, these events often offer direct interaction with community members, allowing you to build relationships and share information about your services in a relaxed, informal setting.

Participate in Community Projects

Getting involved in community projects, such as neighborhood cleanups or local beautification initiatives, shows that you care about more than just business. It’s about contributing to the community’s well-being, which can build goodwill and enhance your reputation as a socially responsible business.

Support Local Charities

Align with local charities by offering support, donations, or volunteer efforts to enhance your brand’s image and show your commitment to the community. Collaborate on fundraisers or community service projects to increase visibility and endear your brand to locals.

Engage with Local Media

Establish relationships with local media outlets to increase your chances of getting coverage for your community involvement activities. Whether through local newspapers, radio stations, or TV channels, media coverage can amplify your visibility and reinforce your image as an active and caring community member.

11. Stay Current with Industry Trends

The insurance industry is constantly evolving. Staying informed about new trends, technologies, and customer behavior insights can help you adjust your marketing strategies to remain competitive and relevant.

Technological Innovations

From artificial intelligence and machine learning to blockchain and telematics, technology is transforming how insurance products are designed, priced, and delivered. Keeping up with these technologies allows you to offer more personalized, efficient, and secure services, enhancing customer satisfaction and loyalty.

Regulatory Changes

The insurance industry is heavily regulated, and laws and regulations can change with shifting political landscapes. Understanding these changes ensures your marketing practices remain compliant, protecting your business and clients.

Market Trends

Emerging markets, new insurance products, and shifts in demand (like the rising need for cyber insurance) are all trends that can open new growth opportunities. By monitoring these trends, you can proactively adapt your product offerings and marketing messages to address market needs.

Competitive Landscape

Observing your competitors’ moves can provide valuable insights into what works and what doesn’t in your industry. This doesn’t mean copying their strategies but learning from them and finding innovative ways to differentiate your brand.

Strategies for Keeping Up with Trends

• Attend Industry Conferences and Seminars: These events are goldmines for learning about new technologies, regulatory updates, and market shifts. They also offer networking opportunities with peers and thought leaders.
• Subscribe to Industry Publications: Dedicated insurance and marketing publications can keep you informed about the latest news, research, and best practices.
• Join Professional Associations: Membership in professional associations can provide access to exclusive resources, educational materials, and industry insights.
• Leverage Social Media and Online Forums: Follow industry influencers, join professional groups on LinkedIn, and participate in discussions to stay connected with the pulse of the industry.
• Invest in Continuous Learning: Encourage your team to pursue certifications, take courses, and attend webinars to deepen their understanding of insurance products and marketing techniques.

12. Loyalty Programs

Implementing loyalty programs and rewarding clients for renewals in the insurance industry can significantly enhance client retention and encourage positive behaviors such as renewals, referrals, and consistent engagement.

According to Bond Brand Loyalty, 81% of consumers agree that a loyalty program makes them more likely to continue doing business with a brand.

Designing Your Loyalty Program

Craft a loyalty program that aligns with your client’s values and needs. Consider offering rewards not just for policy renewals and referrals but also for engaging with your content, attending events, or completing surveys.

The rewards could range from discounts on premiums and complimentary services to gift cards or exclusive access to industry events. The key is to offer value that resonates with your clients and enhances their experience with your brand.

Communicating the Benefits

Communicate the benefits of your loyalty program to your clients. Use your website, email newsletters, social media, and face-to-face meetings to explain how the program works and the specific rewards they can earn.

Highlighting real examples of rewards clients have received can also illustrate the program’s value and encourage participation.

Personalization and Flexibility

Personalize the loyalty experience by offering rewards catering to your client’s needs and preferences. Use data analytics to understand their behaviors and preferences, then tailor your rewards accordingly.

Additionally, providing options or tiers within your loyalty program can appeal to different segments of your client base, ensuring everyone finds value in participating.

Encouraging Referrals

Referrals are a cornerstone of growing your insurance business. Encourage loyal clients to refer friends and family by offering rewards for every successful referral. This will expand your client base and reinforce the trust and satisfaction of your current clients, as they are likely to refer only if they genuinely believe in the value of your services.

Image Source: Proper Insurance

Tracking and Adjusting

Implement a system to track participation and the effectiveness of your loyalty program. Monitoring which rewards are most popular and which incentives lead to the highest engagement can provide insights that help you refine your program over time.

Be open to feedback from your clients and willing to make adjustments to ensure the program remains appealing and relevant.

Celebrating Milestones

Recognize and celebrate milestones within the loyalty program. Whether it’s an anniversary of a client’s policy, a significant number of referrals made, or a high level of engagement with your services, acknowledging these milestones can make clients feel valued and deepen their loyalty.

13. Google Business Profile

Optimizing your Google Business Profile enhances your visibility in local search results, making it easier for potential clients to find and contact you. Businesses with complete Google listings are 7 times more likely to get clicks, leading to a purchase than incomplete ones.

Every connection matters in the insurance industry. Deliberate marketing strategies and broadening your digital footprint are essential for attracting more leads and closing more deals.

By implementing these 13 out-of-the-box insurance marketing ideas, you can get your brand up to capture the attention of a wider audience efficiently.

As you kick off your new insurance marketing efforts, the next step is to elevate your agency’s customer experience to new heights through online customer engagement platforms like DemandHub.

Discover how to transform your digital communications and boost sales using DemndHub in your insurance marketing strategy. Get your free trial or demo now .

What Are the Benefits of Insurance Marketing?

Insurance marketing offers many benefits, including increased visibility for your brand, enhanced customer engagement, and higher sales conversion rates. Effective marketing strategies help insurance agents stand out in a crowded market, establish trust with potential clients, and foster long-term loyalty.

Why Do Insurance Agents Need Marketing Strategies?

Having a solid marketing strategy is non-negotiable for insurance agents. The landscape is highly competitive, with clients having access to a wide range of options at their fingertips.

Marketing strategies enable agents to differentiate themselves, highlight their unique value proposition, and connect with potential clients meaningfully. Without a targeted approach to marketing, agents risk being overshadowed by competitors and missing out on opportunities to engage with their target audience.

What Are the Challenges that Insurance Agents Face in their Marketing Efforts?

Insurance agents encounter several challenges in their marketing efforts, including:

• Navigating Digital Marketing Complexities: With the vast array of digital marketing tools and platforms available, agents may find it overwhelming to identify the most effective channels for reaching their audience.
• Building Trust Online: Establishing trust with potential clients without face-to-face interaction can be challenging.
• Compliance and Regulation: The insurance industry is highly regulated, and marketing materials must comply with legal requirements, which can limit creative freedom.
• Competition: The market is saturated with agents and agencies vying for attention, making it difficult to stand out.
• Measuring ROI: Determining the return on investment for various marketing activities can be complex and time-consuming.

What Are the 7 Ps of Marketing in Insurance?

The 7 Ps of marketing, a framework for evaluating and re-evaluating marketing strategies, are particularly applicable in the insurance industry:

• Product: The insurance policies and coverage options offered.
• Price: The cost of insurance policies, including premiums, discounts, and payment terms.
• Place: How and where are insurance products distributed and sold, including online platforms, agent offices, or direct sales?
• Promotion: The strategies used to advertise and promote insurance products, such as digital marketing, traditional advertising, and referral programs.
• People: The agents, customer service representatives, and all personnel involved in providing service and support to clients.
• Process: The procedures and processes clients use to purchase insurance, file claims, and receive payouts.
• Physical Evidence: The tangible proof of insurance coverage, such as policy documents, that reassure clients.

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59 Insurance Marketing Ideas: Tips and Strategies to Drive Growth

From leveraging digital channels to harnessing the power of social media, content marketing, and video content, this guide explores a wide range of marketing techniques tailored to the unique challenges and opportunities of the insurance industry. Discover how to segment your market, target specific audiences, and create compelling content that resonates with your customers.

Comprehensive List of Marketing Ideas

Social Media Marketing

• Create engaging social media content: Share informative articles, industry insights, client testimonials, and interactive polls to capture attention.
• Run targeted social media ads: Use platform-specific advertising tools to reach specific demographics, interests, and behaviors.
• Engage with followers: Respond to comments, answer questions, and run contests to foster a sense of community.
• Leverage social media influencers: Partner with industry experts or local influencers to promote your insurance products or services.

Segmentation and Targeting

• Identify unique customer needs: Understanding the specific needs and preferences of different customer segments allows insurers to develop products and services that cater to those needs, increasing customer satisfaction and loyalty.
• Tailor marketing messages: By segmenting the market, insurers can create targeted marketing messages that speak directly to the interests and concerns of each segment, increasing the effectiveness of their marketing efforts.
• Optimize distribution channels: Identifying the preferred distribution channels of each customer segment helps insurers reach their target audience more efficiently. For example, tech-savvy customers may prefer online platforms, while traditional customers may prefer face-to-face interactions.
• Personalize customer experiences: Segmentation enables insurers to provide personalized customer experiences by understanding individual customer preferences and tailoring interactions accordingly. This can lead to increased customer engagement and satisfaction.

Customer Segmentation Strategies

• Demographics: Age, gender, income, education, and location.
• Psychographics: Values, attitudes, interests, and lifestyle.
• Behavioral: Purchase history, claims history, and risk tolerance.
• Needs and preferences: Specific insurance needs, coverage preferences, and service expectations.

Digital Marketing Strategies

Social Media Engagement

Search engine optimization (), pay-per-click (ppc) advertising, content marketing, types of content formats.

• Blog Posts: Share your insights on insurance-related topics, such as choosing the right policy, understanding coverage options, and managing claims.
• Infographics: Use visuals to present complex insurance concepts in a simple and easy-to-understand manner.
• Videos: Create educational or entertaining videos that capture your audience’s attention and keep them engaged.
• E-books: Offer comprehensive guides or in-depth analysis of specific insurance topics that your audience can download and read at their convenience.

Tips for Creating Engaging Content

• Know Your Audience: Understand their needs, interests, and pain points to create content that resonates with them.
• Provide Value: Offer practical advice, actionable tips, and insights that help your audience make informed decisions about their insurance coverage.
• Be Consistent: Create a regular schedule for publishing new content to keep your audience engaged and coming back for more.
• Promote Your Content: Share your content on social media, email newsletters, and other online channels to reach a wider audience.

Measuring the Success of Your Content Marketing

Email Marketing

Crafting effective email campaigns, measuring email marketing success, video marketing.

Compelling Storytelling

Visual appeal, keep it concise, choose the right platform, optimize for search, interactive elements, call to action, public relations and media relations.

Strategies for Developing Effective Media Outreach Campaigns

Customer experience and relationship building, personalize the customer experience.

• Collect customer data and analyze it to gain insights into their preferences, behaviors, and needs.
• Use customer feedback to identify areas for improvement and make changes that enhance the customer experience.
• Personalize communication by addressing customers by name, using relevant information, and providing tailored recommendations.

Respond Quickly and Effectively to Inquiries and Complaints

• Establish clear channels for communication, such as phone lines, email, and online chat, and make sure they are easily accessible to customers.
• Ensure that customer service representatives are knowledgeable, empathetic, and empowered to resolve issues promptly.
• Provide customers with regular updates on the status of their inquiries or complaints and keep them informed throughout the resolution process.

Exceed Customer Expectations

• Provide exceptional service by going above and beyond to meet customer needs.
• Offer personalized recommendations based on customer data and insights.
• Demonstrate a genuine interest in helping customers by listening to their concerns and addressing them promptly.

Data Analytics and Market Research

Customer Segmentation and Targeting

Product development and innovation, risk assessment and pricing, fraud detection and prevention, final summary.

FAQ Summary

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13 Foundational Insurance Marketing Ideas For Insurance Agents

Great marketing is a necessary component for any successful business, insurance included. There’s no shortage of marketing ideas for insurance agents on the internet. However, it takes more than just a little creativity and cleverness to start seeing results. Without strategic vision, concrete goals, and measurable data, marketing your business effectively will be a challenge.

But marketing advice often contains a plethora of contradictions—what works for one insurance agent won’t work for another. With that in mind, we polled several agents and experts on our team about their top insurance marketing ideas—all of which have produced solid results. Take a look at their responses below and see which ones you can implement immediately! As long as you follow these steps for building an intelligent marketing strategy, you’re headed on the right path for marketing success.

Learn about five insurance sales closing techniques you can use to potentially boost your revenue by up to 128% in this free eBook.

13 foundational marketing ideas for agents, 1. provide useful information for potential customers online..

"Do content marketing, including publishing useful blog posts about a certain topic, such as life insurance for special needs children. People search for that topic, find my post, and ask for additional help in determining the best policy for their needs. Most people start their search online so by keeping my content fresh and useful, it helps people learn and provides a new prospect for my company."

Chris Abrams, founder at Abrams Insurance Solutions

"Generate leads through search engine optimization (SEO). This option is perfect for any agent just starting off who has a small budget (and probably another day job). Creating content around the product you offer and getting interested people to come to your page for free is always a great thing. You are able to control the narrative in regard to how you obtain your customers’ information and how you get them covered."

JC Matthews, Co-Founder at Simply Insurance

"Regardless of which type of insurance an agent is selling, learning SEO is the most worthwhile investment of your time and resources. People who search on Google have made the choice on their own (that's key—nobody enticed them to start searching) to research the product or service that you provide.

There will be prospects in all stages of the buying process, but a lot of them will be very motivated and ready to purchase. Even those who aren't ready to pull the trigger today may be very close to buying in the near future. You'll find yourself spending almost all your time working with highly qualified prospects who will result in dollars now and within 30 days versus prospects who are just curious.

The second part of why SEO is so invaluable is because the leads are free! Once you've done the work, Google will organically display your listing(s) in its search results. Every click you get will cost you nothing. Almost every business has to manage the key metric that is Customer Acquisition Cost. With SEO having a zero for this figure, it's powerful beyond belief because it allows you to focus your dollars on so many other things."

Anthony Martin, Owner & CEO at Choice Mutual

"I do a lot of work with Medicare insurance policies, and there are big changes coming to some of these plans in 2020. By posting about those changes in detail early, when they were first announced, I am getting a lot of traffic to my website that is in turn generating inquiries."

Adam M. Hyers, President of Hyers and Associates Insurance Agency

"Market online using informational articles to help people answer their life insurance questions. Online marketing works well because publishing content establishes you as the authority on the subject matter, and the more serious prospects will preferentially want to work with you to help solve their life insurance needs."

David Duford, Final Expense Agent Mentor LLC at  BuyLifeInsuranceForBurial.com

"It won't be easy, but the dividends to building an organic search presence will pay back in free, ongoing, warm leads coming to you for help. Studies show that an ever-increasing percentage of consumers prefer to research insurance online before talking to an agent. Get a slice of that pie."

Ty Stewart, Founder at Simple Life Insure

2. Stay in touch with your client base.

"I send birthday cards and welcome cards. I also keep in touch using emails that contain useful information on financial planning, long-term care, annual policy reviews, and other topics. This works because I keep my name in front of them for when an insurance or financial need comes up."

Follow @abramsinc

3. Invest in a decent CRM.

"Even the best agents don't close 100% of their leads because there are always going to be people that are not ready yet. Having a CRM that automatically emails past leads and reminds agents to make occasional calls can make a huge difference in business. I have received dozens (possibly into the hundreds now) of sales from past leads who contacted me from an automated CRM email months after I got the original lead."

Larry C. Medcalf, MedCard & Medcalf Advisors Inc.

Follow @MedCardMember

4. Articulate what differentiates you from the pack.

"Agents need an articulated value proposition stating who they are, what they stand for, what approach they take, and what makes them unique. This value proposition should be used consistently on their websites, LinkedIn profiles, collateral material, and other social properties with a clear ask—this is who I am, this is what I offer and this is what I want to do: earn your business."

Perri Richman, Innovator and founder of Brand You: A Behavior-Based Personal Leader Branding Methodology

Follow @pjkrichman

5. Use direct mail to find new prospects.

"Direct-mailing a list of new prospects works because it identifies people with a basic level of interest in the product I'm selling, which makes them more likely to agree to an appointment to discuss further."

6. Cross-sell your existing clients.

"Contact clients who already have a life insurance policy with you to increase coverage or sell a new product policy. Reviewing appointments with your current clients works great because it's easier to sell someone who already knows, likes, and trusts you."

7. Find a niche.

"Find out what insurance you are good at selling and then market, market, market! Finding a niche will help you become an expert, and you'll understand what customers want—and, more importantly, need. Plus, price won’t be an issue when you educate customers.

Then, build a website using the keyword or niche in the URL, name of the website, and content. You will get noticed by Google as the expert in your particular niche or market. Detailed website posts and articles on your area of expertise will make your website relevant to search engines when people are searching for your topic.

Finding one or two niches in the insurance industry that you can focus on will in turn lead you to the watering hole for those customers."

John Espenschied, Agency Principal at Insurance Brokers Group

8. Concentrate on a few prospects at a time.

"Rather than playing the numbers game, blanketing a large number of mortgage companies and hoping that some stick, we’ve implemented a plan to concentrate on just a few at a time. This allows us to become hyper-focused and form real relationships with them, which can pay off in spades.

Similar to other referral-centric industries, developing a pseudo-partnership with other companies can have exponential payoffs for an insurance agency. I’ve found this approach not only results in a much longer lasting relationship, but the loan officers and processors we work with begin to really buy in to our processes, culture, ethics, and so on. This gives them an enhanced level of exposure to our services, similarly to their clients, and they understand why it's in their best interest for their clients to work with us."

Brent Thurman, President at Keystone Insurance

9. Purchase live transfer leads.

"This is a great option because you get to see your marketing dollars in action immediately, 100% of the time. You are no longer hoping the leads you are paying for will get you on the phone with interested customers; you know for sure before the call is transferred to you that they will be interested. You also get the benefit of around 80% less prospecting, and you can focus much more on conversions."

10. Research your target market.

Some of the best insurance marketing ideas for some agents can also be some of the worst depending on who you’re marketing to and where your marketing takes place. (Tweet this!) Radio ads and billboards could yield impressive results in a densely populated area, but try these methods in a rural area in North Dakota and you won’t get the same results. Similarly, sponsoring local events or sports teams could be a great way to generate leads if you’re in the right area—but if your target market doesn’t attend these types of gatherings, your marketing budget is probably better spent elsewhere.

Are prospects dropping off at a high rate during your sales process? Then it’s time to work on your conversions. Learn best practices for your sales process in this ebook.

Before implementing any new marketing idea, it's absolutely crucial that you truly pay attention to your audience. Really get to know them. Understand who you’re speaking to, what questions they commonly need answered, and what language they use. Collect data on their demographics and geographic location. From there, begin to think like your target market—know what they do and don’t like, then meet them halfway.

11. Set measurable goals.

You won’t know if you’re growing your business, binding more policies, or improving your ROI unless you benchmark where you are right now and then set SMART goals as to where you’d like to be (both short-term and in the long run). How many new prospects do you hope to gain after 90 days? How many do you think you'll quote? And how many new policies do you expect? If you’re looking for some tips on this topic, you can check out this joint webinar we hosted with agent Ryan Chao: "Know Your Numbers: Creating an Effective Marketing Plan for Your Agency."

12. Track your results.

Marketing is scientific. Yes, there’s creativity involved, but there needs to be data to determine whether a campaign is working or not. Pay attention to your audience, gain a thorough understanding of marketing goals, and then measure, test, and track relevant data. (Tracking is often the forgotten step for many insurance agents.)

So, how do you track your results? For existing campaigns, analyze which sources are generating the most leads. This provides an idea of where to invest more time and money, when to adjust or cut something that isn’t working, and helps identify new opportunities. Reviewing your data analytics also allows you to compare ROI over time, especially in terms of revenue and customer retention.

Gathering this data could be as simple as using a promo code to track the prospects attached to a particular ROI of a marketing campaign. For example, use code RADIO123 in your radio ad and SOCIAL456 for promotions run on social media to differentiate between the two and figure out which is yielding the most results. Methods don’t need to be complicated, but tracking results is a must for any marketing initiative.

13. Do what’s best for your agency.

There’s no magic formula to marketing success, but a solid foundation will allow you to experiment without playing a guessing game. Another marketing idea successful agents employ: strategizing with a marketing partner who can provide them with high-intent, real-time leads. At EverQuote , our Customer Success team will work with you to identify your ideal customers and what goals you would like to reach, and then together we can track and review your results. For an agent looking to grow your book of business, this is a foundational marketing strategy you can’t miss out on.

If you’re wondering how to find quality leads that are 100% originally sourced, our experts can help. We’d love to answer your questions, talk to you about how we source our leads, and work together to build a game plan that will set you up to win. Contact us today, and let’s get started.

Take, for example, an agent who had been using EverQuote to find qualified prospects. After digging into the consumer behavior data of his ideal prospects, this agent discovered that they were typically shopping for insurance between 5 and 7 p.m. With that information, he created a plan to market to those customers via email and social media between 3-4 p.m. This put him top-of-mind immediately before those peak insurance shopping hours, which meant he was the last relevant business his target customers saw before beginning their search. Had he not known that information, he would’ve missed out on the opportunity.

What are your top marketing ideas for insurance agents?

These insurance marketing ideas certainly aren’t a comprehensive list. We’d love to know what insurance marketing ideas have given you the most ROI—we might even add your suggestion to an upcoming article with more tips. Just leave a comment below!

Topics: Featured , Insurance Marketing

About the Author Dennis Miller, Marketing Manager

Dennis is currently the Marketing Manager for EverQuote's Agency business. He has been with the company since early 2017, but has worked in the tech space for nearly a decade. Dennis holds a BA from Vassar College and produces music in his free time.

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Category: Travel

Date: July 5, 2024

How Online Technology has Transformed Travel Insurance Companies and Agents

The digital age with advanced technology has completely transformed the landscape of travel insurance. With user-friendly online platforms, innovative marketing techniques , and customized insurance options, agencies must adapt to thrive in the competitive online market. The shift towards online travel insurance has created endless possibilities for companies to connect with a broader customer base and provide tailored services.

The travel insurance market is transforming remarkably, thanks to the emergence of game-changing technologies like blockchain, AI, and RPA. These advancements are enabling insurance companies to connect with their clients in unprecedented ways and empowering them to develop state-of-the-art tools and services. Additionally, the increasing desire for tailor-made policies and mobile apps is compelling companies and agents to embrace the potential of online technology fully.

In this blog, we will explore how the travel insurance industry has been transformed by online technology. Whether you’re a professional or a consumer, this blog will provide valuable insights into the evolving world of online travel insurance.

1. Why Travel Insurance is Important?

Travel insurance is an essential travel tool to be included in the package, for both leisure trips and also business trips. Moreover, when travelers hold insurance policies, factors like political unrest, natural disasters, medical urgency, and baggage thefts will not have powers to ruin their trips.

Few Scenarios That Reveal the Importance of Travel Insurance

• Unexpected medical emergency
• Support system to guide
• Protection for personal belongings
• Claiming the property damages of third-party
• Travel-based exigencies
• Prior information about mandatory travel insurance requirements
• Trip cancellations with coverage fee

If you meet the requirements of individual travelers, you will be easily sorted out as a reputable travel insurance agency and will also be able to reach an enormous group of travel aspirants.

Additionally, user-friendly websites, smart digital marketing strategies support you to be highly visible in the online business world. If you need any help to improve your online visibility, you can get help from our ColorWhistle team anytime.

2. How Has Technology Begun to Impact Travel Insurance?

Travel insurance is notably becoming tech-savvy in this 21st century. There are a lot of advanced technologies for you to adopt such as cloud computing, internet of things (IoT), advanced analytics, telematics, global positioning system (GPS), blockchain, machine learning, artificial intelligence (AI) and many more.

These technologies will help you to engage with your clients in different ways. Also, it helps in building modernized insurance tools and services.

Technology has caught up with the way people are communicating, and the travel insurance industry has integrated that with customer benefits like instant adjudication, says Stan Sandberg, co-founder of TravelInsurance.com , an online insurance aggregator.

On that scale, technology is going to have its great involvement in the travel insurance industry and agents who are aware of the trending technologies will be able to dominate the industry.

Did You Know?

The travel insurance market size was valued at USD 21.85 billion in 2023 and is predicted to reach USD 58.40 billion by 2030, with a CAGR of 14.0% from 2024 to 2030

3. Benefits of Technology in Travel Insurance Sector

With the implementation of smart digitized technologies, you can easily abolish traditional insurance practices and can provide hassle-free experiences to your travelers.

Few Trends & Technologies That are Transforming the Travel Insurance Sector

• Omnichannel marketing supports you to communicate with your travelers in a more personalized way
• Through big data analytics, you can easily drive revenue and profitability to your agency
• Robotic process automation (RPA) allows you to respond to your travelers instantly
• Augmented reality/virtual reality devices are useful to actively interact with your travelers about the services provided

By integrating with these types of technologies, you can become more customer-centric agents and make your online travel insurance agency active in this digital world.

4. Travel Insurance Marketing Ideas

Every industry has to create smart marketing strategies to grow the online business successfully. This is also applicable to the travel insurance industry.

Few Marketing Ideas for Travel Insurance Agents & Companies

By making the best use of effective marketing strategies, you can retain your existing travelers and can also attract new travelers.

• Build a website that is mobile-friendly, easily loadable, and interactive – 75% of people judge a company’s credibility based on its website design (Source – MarkBrinker )
• Make the website highly visible on the search engines by providing quality content – 93% of online experiences begin with a search engine (Source – Junto.Digital )
• Include engaging video content – 73% of B2B marketing professionals say that video has positively impacted marketing results (Source – BlueCorona )
• Keep a follow up of the customers via email marketing – 40% of qualified leads discover websites via email (Source – Callbox )

5. Top Travel Insurance Companies

At present, there are millions of travel insurance companies that provide personalized insurance policies to their travelers. We have picked the top 3 insurance agencies around the world.    

• World Nomads

World Nomads was founded in 2002. It provides trustworthy, flexible travel insurance policies to domestic and also international travelers. To learn more about their services, click here .

Features in the Website

• Easy to claim insurance policies via website
• Has a list of benefits for Canadian travelers on the site
• Easy to create an account to become a member of the agency

MedJet offers all the medical benefits, worldwide travel security, crisis response, and evacuation services. To learn more about their services, click here .

• Easy to claim insurance policies with just a few clicks
• Allows to renew the expired insurance scheme
• Has a list of all the membership terms and conditions on the site

Clements was founded in 1947. It is one of the premium travel agencies that provide insurance for automobiles, private properties, medical evacuation, and financial cases. To learn more about their services, click here .

• Allows to apply for insurance from the site
• Easy to send feedback to the travel insurance team

6. Travel Insurance Trends for 2024

Today, travelers wish to embrace new technologies according to the travel trends . Insuretech has become a buzzword with nearly 20,000 monthly searches on Google worldwide.

Travelers like to optimize new technologies for exploring various places around the globe. Therefore, you should take advantage of optimizing technologies based on the trends.

Few technologies that will go trending in 2024

• Insurance coverage for self-driving automobiles
• Efficient machine learning technology
• Blockchain travel insurance technology
• Insurance distribution via multiple channels
• Personalized travel insurance schemes and policies
• Robotic Process Automation (RPA)

The emerging technologies that we have covered support you to stay on top of the competition and thereby fulfill your traveler’s requirements in 2024.

How Can ColorWhistle’s Digital Services Support in the Development of Travel Insurance Agencies?

Are you looking for digital services to grow your online travel insurance business? Then, ColorWhistle is the right place for you.

Today, technology development has transformed the travel insurance sector to the next level. Also, many of the travelers’ attention has turned toward the technology side.

As we are working with many travel clients we are aware of the travelers’ expectations regarding travel insurance.

Our expert team can come up with smart marketing techniques to help you gain higher visibility in the online business world. If you like to discuss more contact us anytime. We are always happy to help.

Drive Conversions and Boost your Business with Expert Travel Website Development.

So, these are effective ways to build your online travel insurance agency. By implementing these advanced technologies and smart marketing strategies in your travel insurance agency, you can also be on the list of top travel insurance companies.

After going through this blog, if you get any ideas on developing your travel agency website online but find difficulties in executing those ideas, do not hesitate to contact us! Drop us your requirements and we are happy to support you in all ways!

In quest of the Perfect Travel Tech Solutions Buddy?

Be unrestricted to click the other trendy writes under this title that suits your needs the best!

• Best Tour Operators Europe
• Travel Tourism Trends
• Travel Marketing Campaigns
• Medical Tourism Business
• Types Of Tourism
• Travel Mobile App Features
• Travel Tourism Industry Evolution

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About the Author - CW Content Marketing Team

ColorWhistle's content team is a group of rockstar writers and curators who create killer content for clients across industries. From blog posts to social media campaigns, ColorWhistle's content team creates content that captivates audience with content that educates, entertains, and inspires. With a passion for creativity and expertise in digital marketing, the team has what it takes to make your brand stand out in a crowded online space. In short, they're the wordsmith wizards that you want on your side for content that on-brand and on-trend.

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Insurance Agency Marketing Ideas to Go Into Q3 With an Edge

We’re just past the halfway point of 2017 and you’re probably establishing your marketing strategy for Q3. As an insurance agent, there are unique elements to consider when creating a digital marketing strategy. With that in mind, we’ve put together 5 effective insurance agency marketing ideas.

1. Clean Up Your Data

By now you’ve sent out emails, tracked click-through rates, posted content on social media, analyzed data, reported on data, and the list goes on. It’s very common for data to contain errors, become outdated, or be duplicated over time. When thinking about insurance agency marketing ideas, we cannot emphasize enough how absolutely crucial it is to clean up your database.

The accuracy of your data affects every other facet of your digital marketing strategy. According to a 2016 data quality report by  Experian  75% of companies believe data errors hinder customer service. A prime example of this is that 81% of companies reported problems with email deliveries over the last year.

Consider how poor data management can in turn affect your agency’s sender reputation with your clientele. This will also result in wasted time and resources. If your data is corrupted and inaccurate, you may as well be throwing spaghetti to the wall to see if it sticks.

2. Keep Your Brand Consistent Across All Channels

Out of the 5 insurance agency marketing ideas we’ve listed, branding is the most misunderstood. Many small businesses make the mistake of viewing branding as simply slapping a logo on their website and other digital channels. The reality is branding is way more layered and complex than that.

Look at large insurance carriers like State Farm or Progressive for examples of brand consistency. In the insurance industry, a state farm ad is instantly recognizable from their brand colors of red and white to the tone of their brand voice with the ‘good neighbor’ slogan. The same elements can be found in Progressive’s brand strategy. Keeping your agency’s brand consistent makes you easily recognizable to prospects.

When brainstorming insurance agency marketing ideas, review your social media pages, website, business listings, and online profiles. See where there may be inconsistencies in your branding and adjust so your agency will stand out from the crowd.

3. Optimize Email to Boost Open Rates 

We spoke earlier about cleaning up your data, but that’s only half the battle. That will only ensure your emails land in more inboxes. It doesn’t do much good if no one is actually reading your emails. So how to get more prospects to open?

When thinking about insurance agency marketing ideas, view your email marketing from the receiver’s perspective. How likely are you to open an email from a sender you don’t recognize? Probably not very likely, and the same goes for your prospects.

Also, factor in the importance of the subject line. The subject line for every marketing email sent representing your agency should be valuable, relevant, and must see. Complement a subject line that checks all of those boxes with a touch of personalization and statistics show that you can increase click through rates by as much as  14% and increase conversions by 10% .

Minor adjustments like these can go a long way to increasing lead generation and conversions.

4. Get Familiar with Paid Social Advertising

The truth is that paid social advertising is effective. Social media platforms like Facebook, Twitter, and Linkedin are great platforms for agencies to utilize to reach their target audience.

Consider that  74%  of people use Facebook for professional purposes, or that in the past 2 years content consumption has increased by  25%  on Twitter (blog posts anyone?), or that  32%  of LinkedIn users are employed adults. That’s a lot of prospects across multiple social media channels.

Your target audience is on social media. They get information, consume content, and click on relevant paid social ads on these channels. Paid social advertising is an affordable, easy to use strategy that can help increase exposure and generate leads.

5. Ease Your Workflow with Marketing Automation

We’ve touched on  marketing automation software  before here at the Broker Tool Belt, but we can’t emphasize the importance of these types of tools enough.

Automation is an extremely effective way to maximize referrals and increase retention rates all in one go. It will help identify leads, nurture them through the sales cycle, and improve follow-ups so you can make the most of every connection. All this, done automatically. Marketing automation will make the execution of these 5 insurance agency marketing ideas much more seamless and accurate while providing insightful data.

Final Thoughts About Insurance Agency Marketing Ideas

The insurance agency marketing ideas we outlined here will help you optimize your strategy and give you a strong edge over your competitors going into Q3 and beyond. Your  marketing strategy  is the backbone of  sales . It provides accurate data, that optimizes your content and channel marketing, while assisting in maintaining brand consistency, which all can be managed with automation. Keep these elements in mind, and you will grow your business.

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Insurance Marketing: 9 Strategies, Ideas, Tips & Best Practices

Isaiah Rendorio Product Marketing Manager, Campaigns

Every business needs great marketing to grow. When your profits depend on a steady flow of new leads, finding effective ways to attract potential customers matters all the more. Luckily, staying on top of insurance marketing trends can help you step up your lead generation game. Be sure to review our Definitive Guide to Selling Insurance .

Whether you run an insurance agency or work on your own, online marketing is the next frontier that you need to explore. Many insurance companies are failing to adapt to the needs of online shoppers, which presents a big opportunity for you to shine.

Agents who make themselves accessible on the web can become the go-to resource for anyone in need of insurance help.

In this article, we’ll provide nine effective digital marketing ideas that you can use to stand out in the insurance industry.

Secure more leads for your insurance brokerage today

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Maya Kislykh

Marketing ideas for insurance agents + templates.

In this article

• Insurance Finder Quiz

Newsletter Signup Form

Nps® survey.

• 'Schedule a Meeting' Form

Contact Form

Giveaway form, claims submissions form, final words + ai form generator.

When describing different types of insurance, companies often compile comparison lists. However, you can take it a step further by creating an insurance quiz, as shown in the example below.

💡 Design an insurance finder quiz to encompass any type of offering you have. For instance, here's a travel insurance finder:

Grab this Insurance Finder quiz form here . 

The templates featured in this article are highly customizable. This means you can incorporate your own questions, colors, logos, calls to action, and outcomes without the need for coding. All it takes is dragging and dropping content elements onto the canvas. It's that simple!

Why Should Insurance Businesses Consider Using a Quiz ?

The results that your target audience receives are personalized based on the answers they provide. This saves them the time they would otherwise spend sifting through extensive written documentation on your website.

Another significant benefit, especially for the marketing team, is that such an insurance product finder acts as a lead magnet . You can collect the contact information of potential clients by email-gating the results.

We've demonstrated this in the template that asks for the contact details before displaying results:

involve.me has pre-designed templates for finding the right Travel Insurance, Life Insurance, Dental Insurance, Car Insurance, Home Insurance, and more.

Select the template that best suits your target customers and customize it to align with your brand and offerings.

A question from the Dental Insurance Finder quiz

In addition to delivering personalized recommendations and collecting lead data from ideal customers, you can elevate the template's usefulness by encouraging users to schedule meetings with an insurance agency. Easily integrate online tools like Calendly or other meeting scheduling solutions at the end.

Pro Tip : Think about embedding Insurance Finders across different landing pages and blog posts to encourage more website visitors to use it. This not only extends their stay on your site but also signals to Google that your insurance website provides high-quality content, thereby enhancing your search engine optimization.

A high-quality mailing list is essential, so it's best to start building yours as soon as possible. For insurance companies, we've created this form:

Grab this Newsletter Signup form here . 

This form can be embedded into a website, just like in the example above, or it can be displayed as a pop-up to encourage more people to sign up for the newsletter.

Inside involve.me, you can send out automated confirmation emails saying, "Thank you, you're now on our newsletter list." It's a small detail that can contribute to building a professional image.

Pro Tip : Instead of manually transferring the contact details of your new subscribers to your email marketing tool, consider integrating it with involve.me.

involve.me integrates with email marketing tools, CRMs (customer relationship management), Notion, Google Sheets, Excel, and more. Find the tool you actively use and connect it for seamless data transfer and building efficient email campaigns. 

During the loyalty stage of your customer journey, it's important to solicit ongoing feedback in a non-intrusive manner. For instance, you can use NPS® ( Net Promoter Score ) surveys to achieve this.

Here's an example of how an insurance company might ask for feedback:

Grab this NPS® Survey form here . 

NPS® categorizes customers into promoters, passives, and detractors based on their survey responses. This segmentation assists the marketing team in concentrating their efforts on retaining promoters, addressing the concerns of detractors, and potentially converting passives into promoters.

The template featured in this article includes a link to the calendar, encouraging dissatisfied customers to schedule a call with customer support right away.

For passive customers, they are directed to a form where they can submit their ideas on how to improve the service. As for promoters, they are asked if they would be willing to leave an online review on Google (or any other platform of choice). Find more information on filtering positive reviews and negative reviews in this article . 

NPS® surveys frequently incorporate an open-ended question, enabling customers to offer detailed feedback. Use the "Long Answer" content element in involve.me to encourage your customers to share even more feedback with you on the spot.

It's recommended to conduct regular surveys, and with NPS® surveys containing only one question, it's not overly complex for current customers to complete.

'Schedule a Meeting' Form

Make it easy for your potential customers to schedule a call with you. You might want to consider creating a similar form that can be shared via a link, QR code, or embedded in your landing pages.

Grab this 'Schedule a Meeting' form here . 

To create a business card for your website, use these involve.me contact elements:

Contact Form - for gathering their full name, address, phone number, email, and any other necessary details.

Text Answer - to collect detailed information about the type of insurance the visitor is seeking.

File Upload - to allow the uploading of photos or documents relevant to their case.

For an enhanced branded form experience, it's advisable to send a custom email confirmation upon receiving the results, assuring the customer that their inquiry will be addressed within the next two business days.

To set this up within involve.me, navigate to 'Configure' > 'Email Notification' > and choose 'Send custom email to participants'. Here, you can compose your email copy.

Pro Tip : Type "@" or press "+" to incorporate variables such as the contact's name or the form's outcome (if there are multiple outcomes). This way, you can personalize your email copy.

Consider adding a straightforward contact form for both current clients and potential ones:

Grab this Contact form here . 

You can easily share this form via email, social media platforms, through your professional network, or embed it into your website. Enhance your personal connection by using the contact form to ask more questions, helping you better grasp your clients' specific needs and categorize leads based on their insurance requirements.

Whether you aim to revitalize your existing customer base or attract new leads, consider using this giveaway template in your insurance marketing campaign:

Grab this Giveaway form here .

Engage your target audience by posing a few questions to refine your buyer persona, customize informative content for your subscribers, and boost brand awareness.

Here are some tips to make the most of your giveaway:

Enhance participation by incorporating social media sharing buttons. These buttons encourage participants to share the giveaway with their networks, extending your reach and driving increased lead generation.

Tailor your follow-up and marketing efforts by including a question that aids in segmenting your leads . This approach allows you to categorize participants based on their specific insurance needs.

Introducing a ready-made form within your company can save time for both customers and insurance agents.

Take a look at this sample form:

Grab this Claims Submissions form here . 

Depending on the specific insurance customers require, they'll be directed to tailored pages. For example, those looking for car insurance will be asked for details like their license plate number and incident information.

Traditional methods, such as explaining cases over the phone or sending disorganized emails, are outdated in the insurance industry's customer experience.

To streamline the submission process in your insurance company, think about creating a similar form or customizing pre-made templates with your own questions, types of insurance, and a logical flow.

Your insurance agency's current marketing strategy can be enhanced by incorporating the pre-designed widgets featured in this article. These widgets not only improve your online presence but also lower customer acquisition costs by serving as lead magnets targeted at your desired audience.

Generate your first project with AI-powered form generator:Add your website URL

Create your form with AI

Just paste your URL & click generate

Explore other articles that delve into insurance marketing strategies in greater detail.

involve.me is an excellent platform for implementing marketing strategies for insurance agents. You can create custom forms, calculators, quizzes, and surveys for your prospective clients using the ready-to-use templates available or AI-powered form generator.

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Unlock the Power of Digital: Content Marketing for Insurance Companies

min reading

Marketing for insurance companies goes beyond traditional advertising and sales tactics. It involves creating engaging, informative, and helpful content that captures the target audience’s attention and establishes the insurance company as a trusted and knowledgeable resource.

According to 2021 statistics, the insurance sector in the United States alone was valued at  over $1.36 trillion  in premiums written annually. However, despite the significant market size, insurance companies are grappling with the challenge of reaching potential clients amidst fierce competition. This is where effective marketing strategies play a pivotal role.

By leveraging the power of content marketing, insurance companies can foster deeper connections with their existing and potential clients, ultimately driving growth and profitability. Read on to understand everything about content marketing for insurance companies.

How Can Insurance Companies Use Content to Build a Strong Online Presence

Content marketing is a powerful strategy that can significantly contribute to establishing a solid online presence for insurance companies. Insurance businesses can attract and engage their target audience , build credibility, and drive conversions by creating and distributing valuable and relevant content. 

First, content marketing strategies can help insurance companies increase their online visibility and reach a wider audience; according to HubSpot, businesses that  blog receive 55% more website visitors  than those that don’t. By consistently publishing high-quality content on their websites, insurance companies can improve their search engine rankings and gain organic traffic.

Additionally, since insurance is a complex and often confusing industry, providing valuable and educational content, insurance companies can position themselves as industry experts and boost their business reputation. Companies can build trust with their audience by addressing common insurance concerns, explaining policies, and offering helpful advice.

Insurers can also use content marketing to engage with the target market on social media channels. Social media platforms allow insurance companies to connect with their target market directly. Insurance companies can increase their brand visibility and reach by sharing informative and engaging content through social media posts. This is a reliable strategy at a time when nearly every smartphone user uses social media, making it a valuable channel for engaging with prospective customers.

Content marketing allows insurance companies to attract and nurture leads throughout the customer journey. Companies can capture contact information and establish relationships with potential customers by offering valuable resources such as e-books , whitepapers, and guides. 

Finally, with the help of tools like Google Analytics, insurance companies can gather insights about their audience’s behavior and preferences. Companies can optimize their content marketing strategies by analyzing data to target their audience and improve engagement. For instance, companies can identify which types of content resonate most with their customer base and tailor their future content accordingly.

How Can Insurance Companies Use Content to Market Their Brands?

Content marketing for insurance companies is a must. Potential clients will likely judge the expertise of an insurer based on their ability to offer valuable information rather than just trying to sell their services. Here are some key types of content that insurance companies can use in their content marketing efforts:

White Papers

White papers are comprehensive, authoritative reports that delve into specific insurance-related topics. They are typically research-based and provide in-depth analysis, statistics, and insights. Insurance companies can use white papers to showcase their expertise, offer valuable information to their audience, and demonstrate thought leadership in the industry.

Blogs are an essential component of content marketing for insurance agencies. Regularly publishing blog posts allows insurance companies to share informative and engaging content with their target audience . For example, a health insurance agent can share blogs about the health insurance industry, insurance tips, industry trends, risk management strategies, and client success stories. By incorporating keywords and implementing a solid SEO strategy, blogs can also help improve search engine rankings and drive organic traffic to the insurance website.

Videos can effectively convey complex insurance concepts visually appealingly, which is great for insurance lead generation. Insurance companies can create videos that educate their audience on various insurance products, such as what goes on in the life insurance industry benefits of life insurance, and provide tips for policyholders or share success stories. Videos can be shared on social media platforms, blog posts, or email marketing campaigns to increase audience engagement and brand awareness.

Infographics

Infographics are visually appealing and informative graphics that present complex information in a concise and easily digestible format. Insurance companies can use infographics to simplify insurance concepts, highlight industry statistics, or provide step-by-step guides. Infographics are highly shareable on social media platforms and can drive traffic back to the insurance website, generating leads and increasing brand visibility.

Case Studies

Case studies showcase real-life examples of how insurance services have helped businesses or individuals overcome challenges and achieve their goals. For instance, insurance companies can build credibility and trust by sharing success stories of how people benefited from auto insurance and highlighting the value of their services. Case studies can be featured on the insurance website, included in blog posts, or shared with prospective clients during sales presentations.

eBooks are longer-form content pieces that provide in-depth information on a specific topic or industry. Insurance companies can create eBooks that offer comprehensive guides, industry trends analysis, or solutions to common insurance challenges. With valuable eBooks as downloadable resources, insurance agencies can capture lead information and nurture prospects through the sales funnel.

Incorporating professional writers into content creation is essential to maintain high-quality content that resonates with the target audience. Skilled writers can craft compelling and informative content that effectively communicates the value of insurance services and engages readers.

How Can Insurance Companies Make the Most Out of Content Marketing

In the realm of online marketing and Google search, effective SEO Strategies play a vital role. To maximize the impact of your content marketing efforts, focus on employing effective SEO strategies. First, do thorough keyword research, which gives you insight into the words your online audience will likely use to come across your content.

Then use the keywords in the titles, body, image tags, and meta descriptions. By optimizing your content for search engines, you increase the chances of your insurance-related articles, blog posts, and resources appearing prominently on search engine results pages. This visibility helps attract a larger online audience and drives qualified leads to your website, ultimately boosting your insurance business.

Insurers should also address common insurance questions to keep their customer base hooked. And most potential customers will find you through search engines. You position yourself as a knowledgeable and trustworthy resource by crafting informative blog posts, articles, and videos that provide clear and concise answers to these questions. Not only does this help establish your credibility and increases the likelihood of your content being shared and referenced, driving more organic traffic to your website.

Most importantly, generate blog post ideas that resonate with your target audience. Learn the industry trends and pay attention to customer feedback and comments on social media platforms; the step will bring out new content ideas relevant to your customers’ needs. Creating relevant and valuable content for your audience can increase engagement, drive traffic, and generate leads for your insurance business.

You can optimize your strategy by integrating your content with your digital marketing campaigns. Align your content creation efforts with your overall marketing objectives and target audience. Promote your content through various digital channels, including social media platforms, email marketing campaigns, and online advertising.

By amplifying your content, more people will find out about you, and you will gain quality leads among them. Additionally, leverage analytics tools to track the progress of your marketing and make data-driven decisions to refine your content marketing strategy over time.

By following these four tips – implementing effective SEO strategies, addressing common insurance questions, generating resonating blog post ideas, and integrating content with digital marketing campaigns – you can leverage the power of content marketing to maximize the benefits for your insurance business.

Final Thoughts

Content marketing is among the overlooked insurance marketing ideas. It has emerged as a powerful tool in the insurance industry, enabling companies to communicate effectively with their target audience and establish a solid online presence. Insurance companies can create informative and engaging content that resonates with their customers by leveraging digital tools and investing in quality writing and effective content strategy.

The content creation team’s expertise and proficiency will significantly determine this marketing tool’s success. A dedicated team of writers who understand the nuances of the insurance industry can produce high-quality content that educates and empowers readers. With their knowledge and experience, they can craft compelling narratives, address common pain points, and provide valuable insights to potential customers.

Furthermore, content marketing lets insurance companies and insurance agents showcase their claims experience and expertise. By sharing real-life stories and case studies, they can demonstrate their ability to provide exceptional service and support during challenging times. 

You can trust us at ContentGo to help you maximize the outcome of your content marketing. We provide comprehensive solutions for content creation, distribution, and analytics. With ContentGO, insurance companies can streamline their content marketing efforts, ensuring that their messages reach the right audience at the right time while also measuring the impact and effectiveness of their content campaigns.  Register today , and let’s get started.

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• Travel Insurance
• Best Travel Insurance Companies

12 Best Travel Insurance Companies Of September 2024

Expert Reviewed

Updated: Sep 1, 2024, 10:16am

Key Takeaways

• The best travel insurance companies are  PrimeCover,   Travel Insured International and WorldTrips , based on our analysis of 42 policies.
• Travel insurance policies can compensate you for unforeseen events that can happen before or during your trip. Examples include if you have to cancel your trip for a reason listed in the policy, experience a delay or get injured during your trip.
• Our analysis found the average cost of travel insurance is 6% of your insured trip cost.

Considering Travel Insurance?

Via Forbes Advisor's Website

• Best Travel Medical Insurance
• Best “Cancel For Any Reason” Travel Insurance
• Best Medical Insurance For Visitors
• Best Senior Travel Insurance

Compare Travel Insurance Quotes

The best travel insurance companies, the best travel insurance companies in more detail, best travel insurance companies: summary, how much does travel insurance cost, what does travel insurance cover, when to skip travel insurance, methodology, best travel insurance companies frequently asked questions (faqs), compare & buy travel insurance.

• PrimeCover – Best for Evacuation
• Travel Insured International – Best for Non-Medical Evacuation
• WorldTrips – Great for Add-On Coverage
• TravelSafe – Best for Missed Connections
• Nationwide – Best for Policy Perks
• AIG – Best for Customization
• Seven Corners – Great for Medical & Evacuation
• AXA Assistance USA – Best for Baggage
• Generali Global Assistance – Great for Pre-Existing Medical Condition Coverage
• Travelex – Best for Families
• HTH Worldwide Travel Insurance – Best for Trip Interruption
• Nationwide – Great for Cruise Itinerary Change/Inconvenience

How We Chose the Best Travel Insurance

We assessed cost, travel medical and evacuation limits, baggage and trip delay benefits, the availability of cancellation and interruption upgrades, and more. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology for the ratings below.

• 42 travel insurance policies evaluated
• 1,596 coverage details analyzed
• 102 years of insurance experience on the editorial team

BEST FOR EVACUATION

Top-scoring plan

Average cost

Medical & evacuation limits per person

$250,000/$1 million

We recommend the Luxe policy because it has superior benefit limits for nearly all core coverage types. We were especially impressed with its generous evacuation coverage, short waiting periods for delays and wide range of optional benefits.

More:  PrimeCover Travel Insurance Review

• Provides “hospital of choice” in its medical evacuation coverage, meaning you choose the medical facility rather than being transported to the nearest adequate treatment center.
• Non-medical evacuation benefits of $100,000.
• Superior trip interruption reimbursement of 200%, which is twice as much as many competitors.
• You can buy a “cancel for any reason” upgrade within 21 days of your initial trip deposit, compared to 15 days for many other top-rated companies.
• Medical expense coverage of $250,000 per person is great, but some competitors provide $500,000.

Here’s a look at whether top coverage types are included in the Luxe policy.

Also included:

• Change benefits of $300 for changing original travel arrangements, such as transferring airlines.
• Itinerary change benefits of $500.
• Lost golf fee benefits of $500 and lost ski/snowboard fee benefits of $150.
• Rental property damage liability benefits of $1,500.
• Search and rescue benefits of $5,000.
• Sports equipment rental coverage of $1,000.
• Travel inconvenience coverage of $100 each for closed attractions and flight diversions.

Optional add-on coverage includes:

• AD&D flight-only choices of $100,000, $250,000 and $500,000.
• “Cancel for any reason” upgrade.
• Increased trip delay coverage choices of $4,000 or $7,000.
• “Interruption for any reason” upgrade.
• Rental car damage coverage of $50,000.

BEST FOR NON-MEDICAL EVACUATION

Travel insured international.

Worldwide Trip Protector

Average price

$100,000/$1 million

We recommend Travel Insured’s Worldwide Trip Protector policy because it offers robust benefits at the lowest average price among top-rated plans we analyzed. We also like its superior non-medical evacuation coverage.

More: Travel Insured International Travel Insurance Review

• “Cancel for any reason” and “interruption for any reason” upgrades available.
• Top-notch non-medical evacuation benefits of $150,000 per person.
• Good travel delay and baggage delay benefits kick in after just a three-hour delay.
• Medical coverage of $100,000 per person is on the low side compared to top competitors but might be enough for your needs.
• Missed connection benefits of $500 are low compared to top-rated competitors and for cruise and tours only.

Here’s a look at whether top coverage types are included in the Worldwide Trip Protector policy.

• Pet kennel benefits of up to $500 are included if you return home three hours or more later than your planned return date.

Optional add-ons offered:

• Rental car damage and theft coverage of up to $50,000.
• Event ticket protection pays up to $1,000 if you can’t attend for a reason covered by the policy.
• Travel inconvenience coverage allows you to recoup money for unforeseen circumstances, such as closed beaches and attractions, rainy weather, tarmac delays and more.
• Bed rest benefits pay up to $4,000 if a doctor requires you to stay on bed rest for at least 48 hours during your trip.

I have been working with Travel Insured for over 15 years, and have been using them almost exclusively. Typically, they have been quite responsive and pay their claims in a timely fashion.

– Stephanie Goldberg-Glazer, chief experience officer of Live Well, Travel Often

GREAT FOR ADD-ON COVERAGE

Atlas Journey Premier

We like the Atlas Journey Elevate plan for its wide choice of add-ons. These add-ons provide extra coverage for pets traveling with you, adventure sports, medical expenses, and more. We also like that this plan has a low average cost compared to competitors.

Another option is the Atlas Journey Escape plan, but this policy doesn’t offer the “interruption for any reason” upgrade and has lower travel medical benefits of $150,00 per person. Still, it hits all the marks for great benefits at a low price. It also offers lots of choices for add-on coverage.

More: WorldTrips Travel Insurance Review

• Very good travel delay benefits of $2,000 per person after only five hours.
• Good baggage insurance coverage of $2,500.
• Medical coverage limits of $150,000 aren’t as high compared to some top-rated competitors but you might find it’s sufficient.
• Baggage delay benefits have a 12-hour waiting period.

Here’s a look at whether top coverage types are included in the Atlas Journey Premier policy.

• Travel inconvenience benefits of $750 if your arrival home is delayed due to a transportation delay and you can’t work for at least two days, your flight lands at a different airport than scheduled, your passport is stolen and can’t be reissued, and more.
• “Cancel for any reason” and “interruption for any reason” coverage.
• Destination wedding coverage in case the wedding is canceled.
• Baggage insurance upgrade to $4,000 per person.
• Rental car theft and damage coverage of $50,000.
• Political or security evacuation benefits of $150,000 per person.
• Vacation rental accommodations coverage of $500 if unclean or overbooked.
• Adventure sports add-on to extend coverage to safaris, bungee jumping and more.
• Hunting and fishing coverage for equipment and cancellation due to government restrictions.
• School activities coverage if trip has to be canceled due a test, sporting event, etc.

WorldTrips offers a streamlined process for purchasing insurance online and filing claims. A user-friendly interface and efficient claims handling contribute to a positive customer experience and increased satisfaction.

– Joe Cronin , advisory board member

BEST FOR MISSED CONNECTIONS

Classic Plus Plan

TravelSafe’s Classic Plus plan stood out in our analysis for its superior missed connection benefits of $2,500. We also like the Classic Plus plan’s top-notch medical evacuation coverage of $1 million.

More: TravelSafe Travel Insurance Review

• “Cancel for any reason” upgrade available.
• Superior baggage loss coverage limits of $2,500.
• Great travel delay limits of $2,000 per person after a six-hour delay.
• $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
• Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Classic Plus policy.

• Itinerary change coverage of $250 per person if your travel supplier makes a change that forces you to lose non-refundable costs for missed activities.
• Reimburses $300 for fees if you have to redeposit frequent traveler awards for reasons covered by your trip cancellation insurance.
• Pet kennel coverage of $100 a day if your return home is delayed by 24 hours or more due to a reason covered in your policy.
• “Cancel for any reason” coverage of 75% of lost trip costs.
• Accidental death and dismemberment for flights, up to $500,000 per person.
• Rental car damage and theft up to $35,000.
• Business equipment and sports equipment coverage of $1,000 if lost, stolen or damaged.

TravelSafe packs essential coverage into budget-friendly rates without skimping on key benefits, and its responsive claims handling preserves peace of mind.

– Timon van Basten, tour guide and founder of Travel Spain 24

BEST FOR POLICY PERKS

Cruise Luxury

$150,000/$1 million

Nationwide’s Cruise Luxury plan is one of our favorites because it has a treasure trove of benefits such as “interruption for any reason” and “cancel for work reasons” coverage. You can upgrade to “cancel for any reason” coverage. Some competitors offer none or one of those options. We also like its excellent missed connection benefit of $2,500 per person.

Note that you do not have to be going on a cruise to take advantage of this policy’s coverage.

More: Nationwide Travel Insurance Review

• “Interruption for any reason” benefit of $1,000 per person is included.
• Includes $25,000 per person in non-medical evacuation benefits for problems such as a natural disaster or security or political problem.
• Good travel delay benefits of $1,000 per person.
• Medical coverage of $150,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
• 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.

Here’s a look at whether top coverage types are included in the Cruise Luxury policy.

• Inconvenience benefit of $250 per person if your cruise ship’s arrival at the next port of call is delayed for two or more hours due to mechanical breakdown or fire.
• “Interruption for any reason” up to $1,000.
• Coverage for extension of the school year, terrorism in an itinerary city, work-related emergency issues.
• Coverage if the CDC issues a health warning at your destination.

Optional add-on offered:

• “Cancel for any reason” upgrade that provides 75% reimbursement of insured trip cost if you cancel two or more days prior to your departure for a reason not listed in the base policy.

Count me in as a believer in Nationwide’s trusted track record in insurance. Their travel policies check all the boxes, especially for cruises. My only gripe is that some of their medical limits seem lower than other guys. But the rates are easy on the wallet.

– Tim Schmidt, travel expert, entrepreneur, published travel author and founder of All World

BEST FOR CUSTOMIZATION

Travel Guard Deluxe

The Travel Guard Deluxe plan impressed us with its optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades. These add-ons allow you to customize the policy to your needs. We also like that the policy includes benefits if, under certain conditions, you must start your trip earlier than planned—a feature not found in all policies.

More: AIG Travel Insurance Review

• Offers upgrades to meet the needs and budgets of many kinds of travelers.
• Includes $100,000 per person for security evacuation and superior medical evacuation coverage of $1 million per person.
• Provides up to $750 per person for “travel inconveniences” such as a flight delay to your return destination, runway delays and cruise diversions.
• Has good travel delay coverage of $1,000 per person, with a short waiting period of five hours.
• The Travel Guard Deluxe policy has robust coverage across the board but also a high average cost ($539) compared to other top-rated policies.
• Medical expense coverage of $100,000 per person is on the low side but might be adequate for your needs.

Here’s a look at whether top coverage types are included in the Travel Guard Deluxe policy.

• Travel inconvenience benefits of $750 total ($250 per problem) if you encounter issues such as closed attractions, cruise diversion, hotel infestation, hotel construction and more.
• Trip exchange benefits of 50% of your trip cost that pay the difference in price between your original reservation and the new one.
• Ancillary evacuation benefits up to $5,000 for expenses related to return of children, bedside visits, baggage return and more.
• Flight accidental death and dismemberment coverage of $100,000 per person.
• Rental vehicle damage coverage.
• “Name Your Family” upgrade allows you to add a person to your policy who will qualify for family member-related unforeseen events that can apply to claims for trip cancellation and interruption.
• Adventure Sports Bundle for adventure and extreme activities.
• Pet Bundle for boarding and medical expenses for illness or injury of dog or cat while traveling. Includes trip cancellation or trip interruption if your pet is in critical condition or dies within seven days before your departure.
• Wedding Bundle to cover trip cancellation due to wedding cancellation. Sorry cold-feeters: Coverage does not apply if you are the bride or groom.

The Travel Guard Preferred plan also earned 4.3 stars in our analysis. We recommend this policy if you’re looking for a lower price and don’t need the higher coverage amounts provided by the Deluxe plan. The Preferred plan provides $50,000 for medical expenses and $500,000 for medical evacuation benefits per person.

AIG’s TravelGuard offers an easy-to-use online platform for purchasing insurance and filing claims. A streamlined process minimizes hassle for customers, making it convenient to obtain coverage and receive reimbursement for eligible expenses.

GREAT FOR MEDICAL & EVACUATION COVERAGE

Seven corners.

Trip Protection Choice

$500,000/$1 million

We like Seven Corners’ Trip Protection Choice plan because it has superior travel medical expenses and evacuation benefits. It also provides great upgrade options and benefits across the board.

More: Seven Corners Travel Insurance Review

• “Cancel for any reason” and “interruption for any reason” upgrade available.
• Very good travel delay coverage of $2,000 per person.
• Includes $20,000 for non-medical evacuation.
• Hurricane and weather coverage has a 48-hour delay, compared to some competitors that require only 12-hour delays.
• Average cost ($527) is only so-so compared to other top-rated policies we evaluated.

Here’s a look at whether top coverage types are included in the Trip Protection Choice policy.

• Accidental death and dismemberment coverage of $40,000 per person for qualifying common carrier events
• Change fee compensation of $300 per person if you have to change your flight or original travel arrangements due to qualifying events.
• Pet kennel benefits of $500 if your return home is delayed by six hours or more due to qualifying missed connection, interruption or delay problems.
• Frequent traveler coverage of $500 to pay for the cost to redeposit awards due to a trip cancellation caused by a reason listed in your policy.
• “Cancel for any reason” coverage.
• “Interruption for any reason” coverage.
• Rental car damage coverage of $35,000.
• Sports & golf equipment rental coverage up to $5,000.
• Event ticket fee registration coverage of $15,000 if you can’t attend an event due to unforeseen reasons listed in trip cancellation and interruption coverage.

With over two decades of experience in the insurance industry, Seven Corners has built a reputation for reliability and customer service. Their track record of handling claims efficiently and providing support to customers in need adds to their credibility. Their Choice plan offers primary coverage, meaning they will pay all claims as if they are the primary insurer, so your claims will be processed faster.

BEST FOR BAGGAGE

Axa assistance usa.

Platinum Plan

AXA’s Platinum plan is among our favorites because it hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including excellent baggage benefits of $3,000 per person. Excellent medical and non-medical evacuation benefits are another reason we like the Platinum plan.

More: AXA Assistance USA Travel Insurance Review

• Generous medical and evacuation limits, plus $100,000 per person in non-medical evacuation—among the highest for plans we analyzed.
• Coverage for lost ski days, lost golf rounds and sports equipment rental.
• Travel delay and baggage coverage kicks in only after a 12-hour delay.
• The average cost for the Platinum plan is only so-so compared to other top-rated plans, although you do get robust coverage for the money.

Here’s a look at whether top coverage types are included in the Platinum policy.

• “Cancel for any reason” coverage
• Lost ski days
• Lost golf rounds

AXA Assistance USA impresses with its strong global reach and access to an extensive network of medical providers. This is particularly valuable in travel insurance, where emergencies can occur in any part of the world. Their attention to detail in crafting policies that include benefits for trip cancellations and interruptions adds a layer of security that reaffirms their strengths in protecting travelers against a wide array of potential issues.

– John Crist, founder of Prestizia Insurance

GREAT FOR PRE-EXISTING MEDICAL CONDITION COVERAGE

Generali global assistance.

Generali’s Premium policy stood out in our analysis for its generous window for pre-existing condition coverage. Travelers with pre-existing conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit. Competitors often have a deadline of 10 to 20 days after making your first trip deposit .

We also like the policy’s excellent trip interruption insurance and superior medical evacuation benefits of $1 million per person.

More: Generali Global Assistance Travel Insurance Review

• Excellent trip interruption coverage of up to 175% of your trip costs.
• Very good baggage loss coverage at $2,000 per person.
• If you want “cancel for any reason” coverage you must buy it within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
• This plan’s “cancel for any reason” coverage will reimburse you for only 60% of lost trip costs; most competitors provide 75%.
• Baggage delay benefits kick in only after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Premium policy.

• Rental car coverage for theft and damage of $25,000.
• Sporting equipment coverage of $2,000.
• Sporting equipment delay coverage of $500.
• “Cancel for any reason” upgrade that reimburses you 60% of your insured trip cost if you cancel at least 48 hours prior to your scheduled departure.

Generali Global Assistance excels in providing user-friendly services and efficient claims processing, which enhances customer experience significantly. Their policies are particularly valuable due to the inclusion of concierge services, which can be a lifesaver during unforeseen travel disruptions.

– Pradeep Guragain, co-founder of Magical Nepal

BEST FOR FAMILIES

Travelex insurance services.

Travel Select

$50,000/$500,000

We recommend Travelex’s Travel Select plan for families because it provides coverage for children at no extra cost (when accompanied by an adult covered by the policy). Its average price is also among the lowest among the companies we evaluated, making it an option to take a look at

More: Travelex Travel Insurance Review

• Very good travel delay coverage of $2,000 per person after a 5-hour delay.
• Medical coverage of $50,000 per person is on the low side, but you can buy an upgrade to double it.
• Baggage delay coverage requires a 12-hour delay and has a low $200 per person limit.
• Missed connection benefits of $750 per person are lower than many other competitors.

Here’s a look at whether top coverage types are included in the Travel Select policy.

• Sporting and golf equipment delay benefits of $200 after 24 hours or more.

Optional add-ons & upgrades offered:

• Medical coverage upgrade to $100,000 per person.
• Medical evacuation upgrade to $1 million per person.
• “Cancel for any reason” coverage of 75% (up to max of $7,500).
• Accidental death and dismemberment coverage of $200,000 per person for flights.
• Financial default coverage if your travel supplier goes out of business that provides 100% reimbursement of your insured trip cost.
• Car rental collision coverage of $35,000.
• Adventure sports upgrade to cover activities that would otherwise be excluded.

Travelex is a go-to for many of our clients due to its straightforward coverage options and ease of use. The company excels in offering plans that are simple to understand, which is great for first-time buyers of travel insurance. However, their basic plans might lack the depth of coverage seen with more premium offerings.

– Jim Campbell, independent travel agent and founder of Honeymoons.com

BEST FOR TRIP INTERRUPTION

Hth worldwide.

TripProtector Preferred Plan

We were impressed by TripProtector Preferred’s superior trip interruption benefits—200% of the trip cost. Most competitors provide 150%. Luxury-level benefits are another reason we recommend the TripProtector Preferred plan.

More: HTH Worldwide Travel Insurance Review

• Top-notch coverage limits for medical expenses and evacuation.
• Coverage for adventure sports—such as zip-lining, snowmobiling, whitewater rafting, and more—are included.
• Very good travel delay coverage of $2,000 per person after a 6-hour delay.
• Higher average price ($602) compared to most companies we evaluated, but you’re buying robust benefits.
• Baggage delay coverage requires a 12-hour delay.

Here’s a look at whether top coverage types are included in the TripProtector Preferred policy.

• Pet medical expense coverage of $250 if your dog or cat traveling with you gets injured or sick during your trip.
• Rental car coverage of $35,000 for damage and theft.
• “Cancel for any reason” upgrade available that provides 75% reimbursement of trip costs if you cancel at least two days prior to your scheduled departure.

My experience with HTH Worldwide Travel Insurance has been positive. While their policies may come at a slightly higher cost, the peace of mind and level of coverage they offer make it worth considering for travelers seeking comprehensive protection. HTH Worldwide stands out for its extensive coverage of medical emergencies, which is essential for international travel. Their policies are flexible, allowing travelers to customize coverage based on their specific requirements, and their worldwide assistance services ensure travelers have access to support wherever they are in the world.

– Kevin Mercier, travel expert and founder of Kevmrc.com

GREAT FOR CRUISE ITINERARY CHANGE/INCONVENIENCE

Cruise Choice

$100,000/$500,000

The Cruise Choice plan gets our attention for its compensation if you miss activities because your cruise ship changes its itinerary and for the inconvenience of delays to the next port of call. The Cruise Choice plan’s competitive price is another reason we recommend taking a look.

• Includes ”interruption for any reason” coverage of $500 if you buy policy within 14 days of trip deposit.
• Includes $25,000 per person in non-medical evacuation benefits.
• Provides benefits if your cruise ship has a fire or mechanical breakdown that delays arrival at the next port of call for two or more hours.
• Medical coverage of $100,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
• 24-hour delay required for hurricane and weather coverage, compared to many competitors with shorter required times.
• “Cancel for any reason” coverage not available.

Here’s a look at whether top coverage types are included in the Cruise Choice policy.

• Shipboard service disruption of $200 per person if your cruise ship has a fire or mechanical breakdown that delays the next port of call for 2 or more hours or changes the scheduled itinerary.
• Coverage for an extended school year, terrorism in an itinerary city and work-related emergency issues.

Nationwide stands out primarily for its versatility in coverage options catering to diverse travel needs—a vital advantage often overlooked by travelers until they face a mishap. They have built a robust system for handling claims efficiently, which I find crucial for travel insurance, where timely support can dramatically impact the customer experience.

Via Forbes Advisor’s Partner

$371 (Explore) $400 (Elevate)

$250,000/$1 million (Elevate) $150,000/$750,000 (Explore)

$539 (Deluxe) $413 (Preferred)

$100,000/$1 million (Deluxe); $50,000/$500,000 (Preferred)

The average cost of travel insurance is 6% of your trip cost , based on our analysis. The cost of travel insurance is usually mainly based on the age of travelers and the trip cost being insured.

Here’s a look at the average travel insurance cost for a 30-year-old woman traveling from California to Mexico for a 14-day trip.

What Affects Travel Insurance Costs?

Unlike many other types of insurance, there are usually only a few factors that go into travel insurance pricing.

Trip Cost Being Insured

The more trip costs you insure, the higher your travel insurance cost. Your trip cost includes any prepaid, non-refundable expenses, such as airfare, hotel accommodations, tours, event tickets, excursions and theme park passes.

The traveler’s age is also taken into account in travel insurance pricing. That’s because older travelers tend to have a higher likelihood of filing medical claims.

The more protection you buy, the more you’ll pay. For instance, if you opt for a “cancel for any reason” upgrade and generous travel medical expense coverage, you’ll pay more.

Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of travel insurance plans available, you can find coverage levels that will fit your budget and trip needs. The core types of travel insurance include the following:

Trip Cancellation Insurance

Trip cancellation insurance  reimburses you 100% for money you lose in prepaid, non-refundable deposits if you have to cancel for a reason listed in the policy. Common reasons include unexpected illness, injury and family member sickness. This is different from the “cancel for any reason” travel insurance upgrade.

Travel Medical Insurance

Travel medical insurance pays for ambulance service, X-rays, lab work, medicine, doctor and hospital bills, and other medical expenses during your trip, up to policy limits. Accidents and health issues can arise unexpectedly, so this is important coverage for travelers going abroad, where your U.S. health plan may have limited global coverage or no coverage.

Case Study: Food Poisoning in London

I was excited to try a highly regarded restaurant while visiting London, but shortly after lunch, I experienced severe nausea and symptoms suggesting food poisoning. It got worse so quickly that I had to rush to the emergency room for medicine and IV fluids. Thankfully, my travel insurance came through. It covered 100% of the $822 in hospital charges and medication costs. The claim process was surprisingly smooth—I just submitted my records and receipts online. This experience made me realize just how essential travel insurance is!

– Katy D., New York

Emergency Medical Evacuation Insurance

Emergency medical evacuation insurance pays up to the policy limits to get you to the nearest adequate medical facility. This can especially come in handy if you are in a remote location and need emergency transportation for medical care.

Travel Delay Insurance

Travel delay insurance compensates you for expenses for things like meals and lodging if you’re stuck somewhere due to a delay that’s covered by your travel insurance plan. Specified waiting period before benefits apply—for example, six or 12 hours—and also a per-day maximum limit and a total maximum per person.

Trip Interruption Insurance

If you have to cut your trip short because of a reason listed in the policy, trip interruption insurance reimburses you for the non-refundable parts of your trip that you miss. It can also pay for a last-minute one-way ticket home if you have an emergency.

Baggage Insurance

Baggage insurance reimburses you for lost, stolen or damaged belongings.  But note that reimbursement is for the depreciated value of your items, not the cost to buy new ones.

And baggage delay insurance lets you recoup expenses for necessities, such as clothes and toiletries, while you wait for your luggage. Policies usually require a certain time delay before baggage delay coverage kicks in, such as six hours.

“Cancel For Any Reason” Travel Insurance

“Cancel for any reason” (CFAR) travel insurance is optional coverage that allows you to cancel your trip for any reason that’s not listed in your base policy and be partially reimbursed for non-refundable trip costs.

You generally must cancel at least 48 hours before your departure time. Reimbursement under a CFAR claim is usually 75% or 50% of your trip costs. CFAR adds an average of about 50% to an insurance plan’s cost, but might be worth it if you want the most flexibility for trip cancellation.

“Interruption For Any Reason” Travel Insurance

“Interruption for any reason” (IFAR) travel insurance is an optional upgrade that permits you to cut short a trip for any reason and get up to 75%  reimbursement for the non-refundable money you lose. You usually must be at least 48 hours into your trip to file a claim. It typically adds 3% to 10% to your travel insurance cost.

Accidental Death and Dismemberment Insurance

Accidental death and dismemberment (AD&D) insurance is included in some policies. If an accident that’s covered by the policy kills or dismembers the policyholder during the trip, travel accident insurance pays out the specified amount.

It usually pays out a percentage of the maximum benefit, depending on the loss.

EXPERT TIPS

How to Buy Travel Insurance

Michelle Megna

Insurance Lead Editor

Insurance Managing Editor

Ashlee Valentine

Insurance Editor

Les Masterson

Begin Shopping Right After Your First Trip Deposit

It’s wise to buy travel insurance immediately after you make your first trip deposit. That way, you get the maximum length of time for cancellation coverage. Plus, you’ll qualify for time-sensitive benefits, such as CFAR and pre-existing medical condition exclusion waivers

Start by Estimating the Non-Refundable Trip Cost

The non-refundable trip cost is the amount you want to insure for trip cancellation. If you’re unsure of what the total cost will be, estimate the amount and then update it later with the travel insurance company, as long as you do so before your departure date.

Buy Travel Medical Insurance for International Trips

If you’re traveling outside the U.S., make sure you buy a policy with ample travel medical and emergency medical evacuation insurance. It’s important because you may have little to no coverage under your U.S. health plan. Look for a policy where the medical insurance is primary, meaning the policy will pay out first, before any other health insurance you have.

Check for Delay and Missed Connection Coverage

If you’re flying to your destination, your itinerary could be derailed by weather, airplane mechanical issues or missed connections. If you’re worried about paying extra money due to a delay or missed connections, look for a policy that has a generous amount of travel and baggage delay coverage and missed connection insurance. You’ll also want to find a policy with a short waiting period for delay coverage, such as six hours.

Decide How Much Cancellation Flexibility You Want

If you have a lot of non-refundable expenses and can’t afford to lose your trip investment, consider buying a “cancel for any reason” upgrade. You never know what life will bring, and unfortunately it might bring a reason to cancel a trip that’s not covered by the base policy. Having CFAR coverage ensures you can get partial reimbursement for any oddball problems that crop up.

You likely don’t need travel insurance if:

• Your airfare and hotel costs are refundable.
• You can afford to lose the money you spent on non-refundable trip costs.
• You’re not traveling internationally.
• You’re not traveling to a remote area with limited healthcare facilities.
• Your destination is not prone to hurricanes and severe weather.
• You have a direct flight.
• You’re not worried about losing your trip investment if you need to cancel or cut a trip short.
• Your credit card travel insurance provides adequate coverage for your trip.

A new rule going into effect in October 2024 requires airlines to provide automatic cash refunds to passengers when their domestic flights are canceled or delayed by three hours or more. Given this, I think you may want to skip travel insurance if you have a direct flight within the U.S. and you don’t have large prepaid deposits on accommodations and tours.

– Michelle Megna, Lead Editor

Ask The Expert

We Answer Your Questions

What’s the best travel insurance option for 19 family members planning a multi-generational trip abroad.

– D. Frankfurt, Crested Butte, CO

Consider buying a group travel insurance plan. These policies usually allow parties of 10 or more to purchase one travel insurance policy to cover the entire group on a trip. However, individual policies typically offer higher benefit limits and upgrades. So if some family members have specific coverage needs—for example, they want high limits for medical expenses—an individual travel insurance policy might be a better fit for them.

Do I still need travel insurance if my airline is required to refund canceled flights?

– Anna P., Austin, Texas

Travel insurance still makes sense if you have a lot of non-refundable trip costs, such as excursions, accommodations and tours. It’s especially beneficial if you’re traveling internationally. It can help pay for medical expenses and evacuation if you get sick or injured during your trip.

Why do travel insurance companies need my state of residence when I get a quote?

– John T., Lewiston, Maine

Travel insurance regulations and laws vary by state, so insurers use that information to ensure the policy you buy is the one that’s approved in your state.

We researched and analyzed 42 policies to find the best travel insurance. When companies had more than one highly rated travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.

Read more: How Forbes Advisor Rates Travel Insurance Companies

Editor’s note: While our parent company has an interest in PrimeCover, this review was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.

What is travel insurance?

Travel insurance is a type of policy that reimburses you for money you lose from non-refundable deposits and payments when something goes wrong on your trip. These problems can range from lost baggage to flight delays to medical problems.

The more you’re spending on your trip, the more you likely need travel insurance. This is especially true for international trips and cruises, where travel problems become more expensive to solve.

What do I need for travel insurance?

The information you need to buy travel insurance includes the trip cost being insured, your age, your destination, length of trip and age. Buying travel insurance online is relatively easy. You don’t have to answer a lot of questions, and you can update your trip cost and itinerary later if plans change, as long as you do so before your departure.

Is there travel insurance for multiple trips?

While standard travel insurance plans are meant to cover one-time trips, frequent travelers should consider an annual travel insurance plan. These plans cover the same issues as a single-trip plan, such as trip cancellation and emergency medical situations. But they also offer the convenience of a one-time purchase for multiple trips.

What type of travel insurance do I need for my parents visiting me in the U.S.?

Travel insurance for parents visiting the U.S. is generally a travel medical insurance policy that helps pay medical costs if they get sick or injured during their visit. There are two main types of visitors medical insurance:

• Limited policies that have fixed benefits: These generally set a cap for what they’ll pay for each medical treatment that’s covered. You may need to pay a deductible for each medical illness or injury and then the policy will pay 100% after that, up to the cap. For example, coverage for an X-ray might be capped at $250.
• Comprehensive visitors insurance policies: These typically cost more but have more robust coverage and don’t put a cap on specific medical problems.

What’s not covered by travel insurance?

Problems not covered by travel insurance tend to be similar among policies. We recommend that you read a policy’s exclusions so you’re not caught by surprise later if you try to make a claim. Typical exclusions include:

• Injuries from high-risk activities such as scuba diving.
• Problems that happen because you were drunk or using drugs.
• Medical tourism, such as going abroad for a face lift or other elective procedure.
• Lost or stolen cash.

Next Up In Travel Insurance

• Best “Cancel For Any Reason” Travel Insurance Of September 2024
• Best Cruise Insurance Plans Of September 2024
• Best Covid-19 Travel Insurance Plans Of 2024
• Best Senior Travel Insurance Of 2024
• The 5 Cheapest Travel Insurance Companies Of September 2024
• Travel Insurance for Parents Visiting the U.S.
• The Worst Cities For Summer Travel, Ranked

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

Shayla Northcutt is the CEO and founder of Northcutt Travel Agency and a leading world travel expert. Her main expertise includes destination weddings, honeymoons, large group travel, family travel, world travel and travel insurance. Northcutt appears regularly on KHOU 11 and ABC 13 Eyewitness News, among other media outlets, providing guidance on travel insurance for consumers. Her first-hand knowledge of destinations and resorts makes her a leading travel professional. Northcutt is married to an amazing husband and is a mom to two boys, Cayman and Crockett. She found a passion in travel and exploration of all the things the world had to offer. Feeling such a strong connection to the travel industry, she decided to open Northcutt Travel Agency in 2017. Northcutt has visited different parts of Europe numerous times, and has visited over 350 resorts in Mexico and the Caribbean leading to detailed first-hand knowledge of the resorts. She has also sailed on multiple cruise lines, giving her experience with the cruise world as well. The other places Northcutt has visited, and now helps people plan, include Disney, Hawaii, Fiji, Australia, Thailand and all major cruise lines.

Stay Connected This Summer: Creative Content Ideas for Independent Insurance Agents

As summer approaches, insurance agents have a golden opportunity to stay top-of-mind with their network while providing valuable information and building stronger relationships. To help you make the most of the season, here are some creative content ideas for insurance agents to keep in touch with their network.

🌞 Summer Safety Tips

Share important safety tips related to summer activities such as grilling, swimming, traveling, and outdoor recreation. Offer advice on how to stay safe and protect property during the summer months, demonstrating your commitment to your clients' well-being beyond just insurance coverage.

✅ Home Maintenance Checklists

Create helpful home maintenance checklists tailored to the summer season. Cover topics like HVAC maintenance, gutter cleaning, pest control, and preparing for storms. Providing valuable information shows your clients that you care about their homes and can help them prevent potential insurance claims.

🌴 Vacation Planning Guides

Offer tips and resources to help your clients plan and protect their vacations. Share advice on travel insurance, rental car coverage, international medical coverage, and tips for securing their home while away. Position yourself as a trusted advisor for all their insurance needs, even when they're far from home.

🩵 Community Events and Activities

Highlight local events, festivals, and activities happening in your area during the summer months. Share information about family-friendly events, concerts, farmers' markets, and more. By being a source of local knowledge and entertainment, you strengthen your connection with your community.

💸 Summer Savings Tips

Provide tips and strategies for saving money during the summer, such as energy-saving tips for lower utility bills, advice on budget-friendly vacations, or tips for maximizing insurance discounts. Helping your clients save money reinforces your value as their insurance agent and trusted financial advisor.

🌟 Client Spotlights and Success Stories

Feature client spotlights and success stories on your blog or social media channels. Showcase how your insurance solutions have helped clients protect their families, homes, and businesses. Personal stories resonate with people and can inspire trust and confidence in your services.

🎁 Seasonal Giveaways and Contests

Organize fun and engaging giveaways or contests with summer-themed prizes. Encourage participation by asking followers to share their favorite summer memories, travel photos, or safety tips. Contests are a great way to boost engagement and expand your reach on social media.

💌 Personalized Check-Ins and Thank You Notes

Take the time to personally check in with your clients via phone calls, emails, or handwritten notes. Express your gratitude for their business and inquire about any changes in their lives or insurance needs. Building genuine relationships goes a long way in retaining clients and generating referrals.

Incorporating these summer content ideas into your marketing strategy can help insurance agents stay connected with their network and provide value throughout the season. By delivering timely and relevant information, fostering engagement, and demonstrating genuine care for your clients, you'll strengthen your relationships and position yourself for client loyalty.

Overwhelmed by writing content for your agency? We’ve got you covered. With Levitate, pre-schedule your content months in advance from our content library full of email and social media content covering topics like we mentioned above plus much more. Contact us to get a tailored tour of our content library!

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11 Best Travel Insurance Companies in August 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ 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

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