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Measuring Travel Insurance Literacy: Effect on Trust in Providers and Intention to Purchase
Jönköping University, Jönköping International Business School, JIBS, Business Administration.ORCID iD: 0000-0002-6386-7483
The Rockwood School of Marketing, College of Business, Florida State University, Tallahassee, FL, United States.
2024 (English)In: Journal of Travel Research, ISSN 0047-2875, E-ISSN 1552-6763Article in journal (Refereed) Epub ahead of print
Abstract [en]

Recent research suggests that some deficiencies in the insurance industry might be associated with tourists’ lack of knowledge. However, the literature does not present a tool that captures objective knowledge of travel insurance literacy. This research presents a comprehensive, multi-step scale development process resulting in a 15-item scale, which measures objective knowledge about travel insurance terms, regulations, and processes. The results show that travel insurance literacy is associated with trust in sellers. Although no relationship was found between travel insurance literacy and perceived travel risks, these two constructs influence purchase intention. The results also show that there is no relationship between subjective knowledge (self-assessment literacy) and objective knowledge (ratings on the scale). Hence, the research presents a new measurement tool that differs from self-assessment scales prevailing in the tourism literature, opening new opportunities for literacy constructs in the field. Finally, the findings present key managerial implications for the insurance industry.

Place, publisher, year, edition, pages
Sage Publications, 2024.
Keywords [en]
knowledge, literacy, perceived risk, purchase intention, travel insurance, trust
National Category
Business Administration
Identifiers
URN: urn:nbn:se:hj:diva-63437DOI: 10.1177/00472875231220944ISI: 001141971300001Scopus ID: 2-s2.0-85182171804Local ID: HOA;intsam;933495OAI: oai:DiVA.org:hj-63437DiVA, id: diva2:1832368
Available from: 2024-01-29 Created: 2024-01-29 Last updated: 2024-01-29

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Luna-Cortés, Gonzalo

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