Very difficult, unfortunately. Every policy that you see available has to be filed with each state. So, here in the USA, 50 different filings, plus another for DC and one more for Puerto Rico. Travel Insurance is complicated!

1. Why do Insurance Companies not offer customized Travel Insurance?
AardvarkCompare
Very difficult, unfortunately.
Every policy that you see available has to be filed with each state.
So, here in the USA, 50 different filings, plus another for DC and one more for
Puerto Rico.
Within each filing are the various risk tables associated with the way in which an
insurer calculates a premium - age, trip length, location, coverage levels, trip cost
etc.
Some of the insurers will have add-ons, such as Extreme Sports. This involves
pooling the risk of a group of Extreme-Sport people, and sharing the costs
associated with probable claims among the group.
Every modification of a risk, involves more calculations, more filings, for smaller
and smaller groups. This is not a happy place for insurers, as they are reliant
upon the laws of large numbers to help them spread risk. They like large groups
of similar people doing similar things. Insurers do not like small groups of
insureds as they cannot adequately spread risk.
Some good news though.. When you are shopping around at a site like
AardvarkCompare, you are getting the best possible price. Our prices are the
same as the insurers themselves, so you will save a lot of time in your search.
https://www.aardvarkcompare.com/blog/2017/02/25/airline-ticket-hack/
https://www.aardvarkcompare.com/blog/2017/04/03/buy-travel-insurance/
https://www.aardvarkcompare.com/blog/2016/11/07/travel-insurance-
comparison/
https://www.aardvarkcompare.com/blog/2017/04/16/airline-fuel-costs-
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