When you are shopping for a travel insurance quote one of your best tools to find the right quote for your needs would be to ask as many questions as possible. One of the key questions that you should ask would concern refunds. A truly reputable company would have a proper refund policy set up and in place and they would also not hesitate to share this information with you, the potential client. After all when you are talking about travelling there is more than one thing that can go wrong. For example your trip might even be cancelled beforehand and if this is the case and you have already purchased additional medical insurance, you would like to see your money return to your bank account. So be smart and ask these types of questions beforehand, before things can go wrong and you find out the hard way that you are stuck with the wrong company