Is your main concern getting your money back for a canceled trip or lost baggage? Treatment or evacuation if you fall ill during your travels? Is there a possibility that your job or family situation will impact future plans? As you weigh options, consider the relative importance to you of each type of coverage. The various types are usually sold in some combination - rather than buying only baggage, medical, or cancellation insurance, you’ll usually purchase a package that includes most or all of them.
Supplemental policies can be added to cover specific concerns, such as identity theft or political evacuation. The insurance menu includes five main courses: trip cancellation and interruption, medical, evacuation, baggage, and flight insurance. Take these considerations into account, understand your options, and make an informed decision for your trip. It's important to note that most policies won't cover you if you change your plans to reduce your risk of contracting COVID-19. Deciding whether to invest in travel insurance has always been a tricky decision, and of course the coronavirus pandemic has made that choice even more complicated.Įach traveler's potential loss varies, depending on how much of your trip is prepaid, the refundability of the air ticket you purchased, your state of health, the value of your luggage, where you're traveling, the financial health of your tour company and airline, and what coverage you already have (through your medical insurance, homeowners or renters insurance, and/or credit cards). How willing are you to take risks? That’s up to you.
What are the chances you’ll need it? Hard to say. Travel insurance can minimize the considerable financial risks of traveling: accidents, illness, missed flights, canceled tours, lost baggage, theft, terrorism, travel-company bankruptcies, emergency evacuation, and getting your body home if you die.
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