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How to figure out the cost of a trip when purchasing insurance.

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You book your flight but then you still have to book hotels. People advise you to buy insurance immediately after booking the flight but not from the airlines because you have more advantages when you do your own research with Squaremouth, Allianz, TravelGurard, etc. You pay more but get more especially if you have preexisting medical conditions. How do you do that if you haven't booked your hotels, how do you know how much your trip will cost? True, most hotels allow you to cancel up to the day before your reservation, so are you just insuring the flight? Restaurants, tours you are planning on your own, can you estimate them and when asked how much the trip is costing include all of the above: flight, hotels, restaurants, tours. You come up with a number? Do travel insurance companies ask for proof from the beginning? What about credit card travel insurance, let's say Chase Preferred? Some of that coverage looks pretty good. If you book other insurance and have credit card travel insurance, do they work together if there is an problem?

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