Best Travel Insurance Based on In-Depth Reviews
Protect a carefully-planned trip with coverage for delays, illness, lost luggage, and even natural disasters—the best travel insurance can soften the impact of unforeseen events.
This is another guest blog being shared from Consumers Advocate based on recent research they completed May 30, 2020.
200+ Hours of research
60+ Sources used
15 Companies vetted
3 Research Criteria
6 Top Picks
What you need to know:
Look for customizable coverage
Get a comprehensive policy for once-in-a-lifetime trips
Many policies offer a large array of extra features
Estimate how much travel insurance you need in advance
The Benefits of Travel Insurance
Summer is finally here, and finally ready to be enjoyed (albeit under very different circumstances than before)! For many athletes, it means taking advantage of the weather during this time of year for some great travel experiences. As things continue to recover and stabilize after the most recent pandemic, some countries are now even offering to pay part of your vacations in an effort to re-stimulate the economy, making it an even more attractive time to travel responsibly.
If you just booked a getaway on a cruise ship or a plane to some beautiful Japanese resort, you probably have considered buying travel insurance. After all, you did just put down a bunch of money for your vacation – you want to be prepared if something were to happen!
While travel insurance certainly sounds like a great idea, it’s important to know what it actually covers so you can decide for yourself if it’s worth the cost.
What Travel insurance covers
Travel insurance covers some of the most unexpected things that might happen to you when you plan a trip.
If you’re taking a trip, there is always the possibility that it might get canceled because of a hurricane, snowstorm or any other natural disaster.
Travel insurance can also cover any medical type of emergency that your health insurance company might not include in their policy (except in pandemic situations like the recent COVID-19).
Below are some of the different things that would be covered if you purchase travel insurance.
Trip Cancellation coverage:
This will cover your expenses if the trip is either canceled or delayed.
Medical coverage:
Medical coverage will reimburse you for any emergency care that might be necessary on your trip. If you get hurt, sick, or need to go to the emergency room, travel insurance can give you some peace of mind.
Replace Stolen or lost luggage:
It’s not that rare for luggage to get stolen or lost when you go on a trip. You might leave a gym bag or suitcase somewhere and come back to find it’s gone. The cost of replacing your bag and the items inside can quickly add up, depending on what you’re planning to bring along. It’s a good thing travel insurance covers any kind of theft of any personal items when you are away then!
Car travel
If you decide to rent a car and happen to find yourself in an accident (even if it wasn’t your fault), the coverage that is included with most car rental companies will usually fall short. Even minor accidents can become costly – here’s where travel insurance can help by paying the difference.
Coverage for the family
A lot of parents decide to spring for travel insurance because it can cover everyone on the trip, including any younger children who may be traveling with you. If you’re a parent, you’ll never know what mischief your kids may get into or if they might get injured or sick. It can be a real relief to have the coverage to back you up if any of these things ever does happen.
Medical Evacuation Insurance
Some companies even offer some add-ons to your basic coverage that might suit your particular trip better. For example, if you plan a rigorous hiking trip or go white water rafting, you might consider purchasing a medevac plan. If you’re an athlete, this gives you the coverage you need in case something happens to you on a particularly challenging endeavor and need emergency medical support.
There are many reasons to consider travel insurance these days. It can really help out in case the unexpected strikes – from stolen items to even natural disasters and medevac.
It’s one of those things you get as more of a preventative measure. You might not ever need it, but if you do, you will be really glad you purchased a policy.
For more from this article please visit the Consumers Advocate site.
These are definitely unusual times we’re living in, and an important thing to remember is that no one has all the answers. No one has gone through anything like this before, and no one is certain what will happen next, so we encourage everyone to do their own research due diligence and make an informed decision based on their particular needs and situation.
Adventure Well!