From grimoire
Audits travel insurance policies against trip risk profile to identify coverage gaps, check medical limits, validate exclusions, and review claims processes.
How this skill is triggered — by the user, by Claude, or both
Slash command
/grimoire:audit-travel-insurance-coverageThe summary Claude sees in its skill listing — used to decide when to auto-load this skill
Evaluate travel insurance policies against trip-specific risk profile to confirm adequate coverage.
Evaluate travel insurance policies against trip-specific risk profile to confirm adequate coverage.
Adopted by: ASTA-affiliated travel advisors, USTIA member insurers, Squaremouth (the largest US travel insurance marketplace) Impact: USTIA reports that only 37% of travelers read their policy before departure; travelers who audit coverage avoid the average $5,000-$50,000 gap loss from inadequate medical evacuation coverage Why best: Travel insurance policies have highly variable exclusions — pre-existing condition clauses, adventure activity exclusions, and country-specific limitations regularly void claims; systematic audit surfaces these gaps before they matter
Sources: USTIA "Understanding Travel Insurance" (2023); Squaremouth claims analysis methodology; ASTA Insurance Best Practices for Travel Advisors; Squaremouth consumer guides
Profile the trip risk — Identify risk factors: destination risk level (State Dept. advisory tier), planned activities (adventure sports, diving, skiing), traveler health (pre-existing conditions), total trip cost at risk, and flight/cruise booking structure.
List existing coverage — Inventory all existing coverage: credit card travel benefits, employer health insurance international coverage, existing travel policies, and home/renters insurance for belongings.
Identify coverage gaps — Compare existing coverage against required categories: trip cancellation/interruption, emergency medical, medical evacuation/repatriation, baggage loss/delay, travel delay, and 24/7 assistance.
Audit medical coverage limits — Confirm emergency medical minimum is $100,000 USD (or equivalent); for developing-country travel or cruises, $250,000+ is recommended; medical evacuation minimum should be $500,000.
Check pre-existing condition handling — Determine if the policy covers pre-existing conditions (most require purchase within 10-21 days of initial trip deposit for waiver); if not, assess actual exposure risk.
Verify adventure activity coverage — Read the exclusions list explicitly for any planned activities (extreme sports, motorized vehicles, mountaineering); if excluded, identify a rider or specialist policy.
Confirm cancellation triggers — Map the policy's "covered reasons" for trip cancellation against realistic cancellation scenarios; "Cancel for Any Reason" (CFAR) upgrades typically cost 40-50% more but cover 75% of non-refundable costs.
Review claims process — Identify: claims submission timeline requirements (24-72 hours for most policies), documentation requirements (receipts, medical records, police reports), and dispute resolution process.
Compare 2-3 finalist policies — Use Squaremouth or InsureMyTrip to compare comparable policies side by side on: premium, deductible, coverage limits, and exclusions for your specific profile.
Document and store the policy — Save policy number, emergency assistance phone number, and claims contact in a readily accessible location; share with a home contact and fellow travelers.
npx claudepluginhub jeffreytse/grimoire --plugin grimoireDesigns a travel emergency fund and financial contingency plan covering medical evacuation, trip cancellation, lost luggage, and emergency accommodation.
Analyzes insurance policies across P&C, life, health, and commercial lines. Useful for coverage comparisons, claims analysis, and explaining insurance jargon in plain language.
Validates certificates of insurance against lease/contract requirements. Flags missing coverage, wrong limits, expired policies, and endorsement gaps.