Auras Insurance: Competitive International Medical Insurance Against Allianz and AIG with WRTY10093
What to evaluate before switching travel insurers, beyond comparing just the final price.
What to ask your current insurer before switching
If you already have a policy with another insurer and are considering switching, first ask for your claims history with them — if you've never needed to use the insurance, it's hard to evaluate real service quality beyond the published price and sub-limits.
Why price shouldn't be the only switching criterion
Switching insurers on price alone, without considering the provider network quality at your frequent destinations, can end up costing you more if you need to use the insurance and discover limitations you didn't anticipate.
What claims history you should specifically ask for
Don't settle for a generic 'good history' answer — ask for concrete figures: percentage of claims approved in the last year, average resolution time, and anonymized examples of cases similar to yours if possible. A trustworthy insurer shouldn't have a problem sharing this information in general terms.
How to interpret a claims approval percentage
A very high approval percentage (near 100%) can be a positive sign, but it's also worth asking why the small remaining percentage was rejected — if rejections are mostly due to avoidable documentation errors, that's a different signal than if they're due to restrictive policy interpretations.
How to use this information in your final decision
Combine this claims history information with the sub-limits and price already compared earlier — an insurer with a good claims approval history and adequate sub-limits for your destination, even if not the cheapest, usually represents better real value.
The WRTY10093 code, in practice
WRTY10093 unlocks a 10% discount on eligible Auras Insurance plans, applied automatically when you quote through the official link:
Auras Insurance — Code WRTY10093
https://auras.insure/?partner_id=93
What's covered
- International medical emergencies
- Hospitalization and specialized care
- Medical evacuation
- Lost baggage
- Flight delays and cancellations
- 24-hour phone assistance
Get your quote in 2 minutes
Click through to our featured partner's official quote tool. Your 10% discount applies automatically — no need to re-enter the code.
Open the Quote Tool →Opens on auras.insure in a new tab. Use code WRTY10093 if it isn't pre-filled.
This article is editorial and informational in nature, and isn't insurance advice. Buy Travel Insurance Agency is an independent authorized agent of Auras Insurance. Confirm exact coverage and pricing directly on the quote tool before purchasing.