Travel Insurance Comparison Guide

Prompt

Help me understand what travel insurance I actually need for this trip.

Trip details:
- Destination: [DESTINATION]
- Duration: [X DAYS]
- Travelers: [NUMBER, AGES]
- Non-refundable trip cost: [$ AMOUNT]
- Activities planned: [e.g. skiing, scuba diving, hiking — or 'standard tourism']

My situation:
- Existing health insurance: [YOUR HEALTH INSURANCE, e.g. 'US employer plan' or 'none']
- Credit card travel benefits: [YOUR CARD, e.g. 'Chase Sapphire Reserve' or 'basic Visa']
- Prior medical conditions: [OR 'NONE']

Please advise:
1. **Coverage types I actually need** vs. what I can skip for this trip
2. **Coverage minimums** recommended for my destination (medical evacuation, emergency medical $)
3. **What my existing coverage already handles** (no need to double-pay)
4. **Activity exclusions to check** for my planned activities
5. **Cancel For Any Reason (CFAR)** — is it worth it for my trip?
6. **Pre-existing condition waiver** — do I need this?
7. **What to look for** in policy comparison (3 key fields to compare)
8. **Reputable comparison sites** to use