Travel Insurance 101 : My pick for the best travel insurance to protect your vacation
This past year has taken the world by storm – people are cancelling honeymoons, postponing trips of a lifetime, and even debating whether or not they should go on vacation months from now. It’s awful, and it’s affected us all so much ( you can read about how I had to postpone my own wedding because of coronavirus here)
Here is my pick for the best travel insurance to protect from COVID-19, or anything else you may need trip cancellation coverage for if you want to plan travel for when after this pandemic and quarantining is over!
Travel insurance comes in many different varieties, so consider the specifics of your trip to figure out which travel insurance is right for you. I’d personally recommend at least getting insurance on your flights, but making hotels on a site like Booking.com which has most hotel options that are refundable.
My pick for Travel insurance is usually WorldNomads.com – available to people from over 140 countries and is designed for travelers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities. It’s simple, easy to use, and always gives me peace of mind traveling abroad. BUT keep in mind they do not offer ‘cancel for any reason coverage’.
Cancel for any reason coverage – To get covered in the wake of an epidemic like coronavirus, you’ll need a ‘cancel for any reason’ plan, which can cost much, much more than an average travel insurance plan. The company that offers these types of plans is Squaremouth. If you don’t want coronavirus to derail your travel plans but you want to be covered if an expensive trip must be postponed or canceled, cancel for any reason gives you that peace of mind, at a cost.
Trip cancellation coverage – the normal travel insurance plan offered by World Nomads provides reimbursement if you cancel for a covered reason (which of course varies by policy, check this link for more details on the different policies).
Also- I’m not swearing by this, and please do your own research, but a loophole on World Nomad’s coverage might be that ‘You or your travel companion are being required to work (you must supply a notarized statement from your employer).’ is a viable coverage under their plan. So if your employer agrees you shouldn’t be going to a certain destination and might be quarantined/not able to work, this could be a great way to get your cancellation covered.
Missed connection coverage and trip interruption coverage give you reimbursement and help if you miss a flight or cruise or if you need to cut your trip short due to an emergency back home.
Medical coverage covers you in case you need medical treatment outside of the U.S.; some plans also cover emergency medical evacuation. Some policies now have options for cancellation for any reason at all!!
Check out these related posts:
Cute face masks that are fashionable for travel post-covid and for this summer.