It is not a secret that choosing a reliable travel insurance company is not an easy task. However, everyone, who is ready to set out on travels, should obtain insurance policy. Today there is a large number of travel insurance companies on the competitive insurance market which guarantee high quality services. The following steps will allow any inexperienced traveler to make a right choice. First of all, it is necessary to remember that there are two types of companies that provide services to travelers: insurance companies and assistance companies. Insurance companies deliver the services that are focused on providing financial compensation to clients. In this case, your plan should cover the appropriate event (business trip, holiday trip, adventure tourism trip, ethno-tourism trip and others). Most insurance companies pay money to their clients in case of injury or disease, but they do not provide any services to their clients in a foreign country. Assistance companies not only provide financial coverage, but also they guarantee support to the clients in a foreign country. In this case, special agents will come to the country where the clients face certain problems and help them to solve these problems. Secondly, it is necessary to choose the appropriate plan that will match the type of your trip. It is known that there are many plans that are specially developed to suit this or that type of trip. As a rule, these plans include the most common risks associated with this or that trip. However, it is possible to choose a single standard plan that is offered by most travel insurance companies. Thirdly, it is of great importance to choose the travel insurance company that will agree to cover you. It is not a secret that if the client’s age is over 65 and he or she has some serious medical condition, most travel insurance companies will not agree to cover this client. In some cases, travel insurance campanies ask the clients with serious health problems to pay some additional premiums.