Which Travel Insurance Should You Get Post Covid

Sunscreen, passport, and flight ticket check. This sounds like the essentials you need for a warm summer vacation in Aruba, right? Wrong. There’s no better time to include travel insurance in your travel plans. The recent pandemic has brought to light the dangers of traveling to a foreign country without proper medical cover. However, travel insurance transcends medical care. We delve into affordable travel insurance you should get post Covid.

Essentially a travel insurance cushions you against unprecedented financial costs. You may incur baggage loss, trip delays, hospital bills, family emergencies, or any interruption to your trip during a trip. Covid has added a new dynamic to the many challenges while on a trip abroad. You will need an insurance plan that covers quarantine costs, hospital bills, and vaccine costs. Which insurance plan should you then choose? You have to consider a myriad of factors before settling on a specific travel insurance plan.

What to look for in a travel insurance

1. Compensation for prepaid expenses

Sometimes you may need to cancel a fully paid trip. Most travel packages have a minimum non-refundable fee for trip cancellations. A good travel insurance plan reimburses you for non-refundable prepaid expenses you incur when you cancel your trip due to an emergency. While choosing a cover, consider how the insurance provider liaises with the travel agency to reimburse you.

2. Insurance jurisdiction

Some countries do not subscribe to certain insurance mandates. Consider an insurance plan that covers many countries globally or consult a travel insurance company on the countries excluded from its coverage jurisdiction.

3. Medical evacuation cover

COVID-19 shattered numerous medical facilities in the world. The ineffective provision of healthcare led to individuals seeking medical care in able facilities. Travel insurance with medical evacuation cover caters to the evacuation expense to your country.

4. Medical cover policy

The cost of healthcare abroad may be costly compared to your home country. Top-tier travel insurance covers medical costs from outpatient procedures to life-threatening issues and pre existing medical conditions. COVID-19 is a pandemic, and thus some insurance companies don’t pay for vaccine and quarantine costs. A full cover insurance plan caters to COVID-19 and related illnesses. You also need to consider the station your insurance covers you while abroad.

5. Third-party cover

During your travel abroad, you may unintentionally damage another party’s property or bodily harm. A suitable travel insurance plan incorporates a third-party personal liability policy that covers third-party damage expenses.

6. Number of beneficiaries

Depending on the cover you choose, you may be allowed up to eight family members in your insurance plan, and sometimes the plan may include your traveling crew, albeit with limited benefits. It is important to seek clarification for the maximum number of beneficiaries to your travel insurance cover.

7. Accidental death

Flight crashes, vehicle and ship accidents happen occasionally, and the family is left to bear the cost of ferrying the deceased back home and additional funeral costs. Your travel insurance of choice should have accidental death coverage in their policy.

8. Baggage and Personal Effects loss coverage

Baggage loss is a common phenomenon during travel. Some airlines and travel agencies reimburse you for lost baggage but only up to a certain amount. The best insurance plans provide additional compensation for baggage lost in transit.

The policy of travel insurance contains the details you need to read before putting pen to paper. Consult an insurance company directly rather than an insurance agency if you have questions about their policy.

The final checkpoint of a good insurance plan is the cost and accompanying discounts. Comprehensive travel insurance coverage usually costs higher premiums but provides you with additional perks that come in handy due to unforeseen events during travel. Affordable travel insurance plans have a friendly standard per trip cost. Additionally, multi policy discounts give you a saving avenue.

Wrap Up

In the post-Covid era, your travel insurance goes a long way in ensuring good financial and physical health. Always read the fine print and understand what the specific plan says. Travel Insurance is a proactive way to stay on top of your well being abroad. Next time you are considering a vacay or business trip abroad, ensure you have affordable travel insurance at hand.