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Travel Insurance

Travel Insurance

travelers insurance

There’s a saying amongst people who travel frequently; you can’t afford to travel if you can’t afford travel insurance.

Many people would rather forget the whole nasty business of comparing travel insurance quotes and instead focus on the travel itself, however, travel insurance is necessary every time you hit the road. Not having travel insurance for the vacation with your family or your much-anticipated honeymoon is just not worth the risk.

What is travel Insurance?

No matter your planned destinations or activities, there’s always a chance you could experience an unanticipated travel complication, accident, or sickness that calls for travel medical insurance. Atlas International can cover eligible hospitalizations, surgery, travel delays, and other expenses required to get your trip back on track.

A travel insurance policy can protect you from a variety of unexpected circumstances while you’re traveling. A lost passport, stolen cellphone, wallet or if you’re looking for trip cancellation coverage to reimburse you for the costs of hotels, flights, and other pre-paid and non-refundable trip expenses travel insurance can help.

If you need medical expense coverage to protect you from the extensive costs of overseas treatment and hospitalization, a travel insurance policy can drastically decrease your risks.

Travel insurance is essential for travelers peace of mind and for ones who need a solution to protect themselves from unexpected situations that could affect their travel plans, trip investment, and health when traveling. Travel insurance has become one of the most popular insurance products available in the last few years, as it is incredibly cost-effective. It’s is required for international travel to most European and Americas, and for travelers of all ages and occupations, it’s a great safety net for the unexpected on your trip.

Whether you’re planning on going solo or with a group of friends or family, CompareAquote.com can help you find an appropriate domestic or international travel insurance policy that meets your needs. You can compare all of your trip insurance options, procure coverage online and travel worry-free.

With the right travel insurance, you’ll know where to turn if something goes wrong, with 24/7 emergency assistance from your trip insurance provider.

CompareAquote.com helps you compare plans from the world’s leading travel insurance providers. Our comparison engine allows you to easily decipher plan benefits and coverage while choosing the right travel insurance policy for your trip. You can quote, compare and buy in just a few minutes and receive your policy confirmation and documents via email instantly after purchase.

What does travel insurance cover?

Comprehensive travel insurance exists to protect two crucial things: you and what you’ve invested in your trip.

  1. Travel insurance helps protect you through its coverage for medical emergencies, including emergency medical evacuation.
  2. Travel insurance helps protect your travel investment through its coverage for trip cancellation and interruption, travel delays, lost luggage, and more.

The travel assistance included in many travel insurance plans can also help you navigate travel emergencies like lost passports or re-bookings.

It can be hard to know where to begin when searching for a travel insurance policy. An ideal policy offers sufficient coverage at a reasonable price. There are many different variables involved in the quote process and insurance carriers offer a variety of plans and coverage levels to choose from. No one should go through this process uninformed and without an easy way of navigating the world of trip insurance.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

If you want:Can be included in your travel insurance policy:
Payment of medical expenses if you get sick or injured on a trip and need emergency care that’s not covered by your regular health insurance plan.Travel medical plan
To be taken to the nearest hospital or flown home if necessary when you’re injured or you get sick on a trip.Emergency evacuation and repatriation
Reimbursement of nonrefundable reservations if you get sick and have to cancel or end a trip early; reimbursement if you incur extra costs (e.g., lodging) due to a delay by the airline or other carrier.Trip cancellation, interruption and delay
Reimbursement of nonrefundable reservations no matter why you cancel a trip.“Cancel for any reason” coverage
Payment for lost, stolen or damaged baggage.Baggage and personal belongings
Help finding a lawyer abroad.24-hour assistance services
Payment for rental car damage.Car rental collision insurance

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Other protection that travel insurance provides are:

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

  • Your own illness.
  • The illness or death of a family member who’s not traveling with you.
  • Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

This coverage pays medical expenses if you get sick or injured on a trip. Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

Nerdy tip: This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

This pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

  • travel health insurance Trip cancellation, interruption and delay
  • travel health insurance Baggage and personal belongings
  • travel health insurance Emergency medical assistance, evacuation and repatriation
  • travel health insurance 24-hour Customer assistance
  • travel health insurance Accidental death and dismemberment insurance
  • travel health insurance Rental car Repair coverage

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

  • Your own illness.
  • The illness or death of a family member who’s not traveling with you.
  • Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

This coverage pays medical expenses if you get sick or injured on a trip. Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

Nerdy tip: This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

This pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

This pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn’t include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

What is not covered in travel insurance?

Travel insurance does not cover everything. If you didn’t know that before the pandemic, you probably do now. Most policies exclude pandemics or fear of travel, which renders them all but useless to travelers on the road after the coronavirus outbreak.

Here’s a short list of the things you might assume travel insurance covers, but doesn’t:

  • international travel insurance Fear of travel and illness
  • international travel insurance A second COVID-19 surge
  • international travel insurance Ignoring government travel warnings
  • international travel insurance A pre-existing medical condition

If you decide not to travel, your insurance policy won't cover you. Fear of contracting COVID-19, or any other illness, isn't covered.

If the area you're planning to visit gets shut down by coronavirus, don't look to your travel insurance company for coverage

Even if you're covered, your policy may be voided if you travel somewhere that the State Department has deemed unsafe.

Most travel insurance won't cover you for a condition you have before your trip. (You can get a pre-existing conditions waiver to cover some conditions.)

If you decide not to travel, your insurance policy won't cover you. Fear of contracting COVID-19, or any other illness, isn't covered.

If the area you're planning to visit gets shut down by coronavirus, don't look to your travel insurance company for coverage

Even if you're covered, your policy may be voided if you travel somewhere that the State Department has deemed unsafe.

Most travel insurance won't cover you for a condition you have before your trip. (You can get a pre-existing conditions waiver to cover some conditions.)

If your fear of flying returns after the coronavirus outbreak and the civil unrest at your destination, your travel insurance policy won't help you. Psychiatric conditions aren't covered.

High-risk activities may not be covered, such as scuba diving. Nor are problems that happen because you were drunk or using drugs. Medical tourism is also a common exclusion, so if you’re going abroad for a face lift, travel insurance won’t cover the hospital bills or aftercare.

What is the difference between airline travel insurance and independent travel insurance?

Purchasing travel insurance through your airline is that you only have the option of that airline’s partner provider — which may not be your first choice, or may not offer the coverage you want or need.

United, for example, offers protection through AIG, which covers 100% of your trip cost if you have to cancel travel plans. British Airways, on the other hand, offers a plan through Allianz that only covers up to $1,000 for trip cancellation and protection (often less than the cost of a single international flight).

When booking travel protection or insurance through an airline, you usually won’t have the option to fully customize your plan. For example, if you’ll be participating in activities that aren’t approved by some plans (like bouldering, ballooning or even some volunteer work), you may not be able to upgrade to a plan that covers riskier activities.

However, if you’re not expecting to need any special coverage (though some would argue that you never expect to need it), clicking that box on the checkout page while booking your flight is often an easy and inexpensive option. Just make sure to read the fine print so you know exactly what’s covered and what’s not to avoid disappointment if you ever have to make a claim.

Independent travel insurance

Independent travel insurance, on the other hand, gives you the ability to shop around and choose a plan that’s right for you. For example, if packing important or valuable materials in your checked luggage, you may want a plan that has a higher baggage loss reimbursement. If traveling to a country where there’s a higher risk of contracting malaria or another disease, you may want insurance that offers more overseas medical coverage or medical evacuation. And hand-selecting the exact coverage you want or need is something you can only do if you shop around outside any coverage your airline offers.

 

Do you need travel insurance?

In these times travel insurance is needed more than ever. Despite its limitations for the pandemic, there is a need for travel insurance.

There’s never been a better time to add travel insurance to your trip plans, especially with the Omicron variant of Covid adding extra uncertainty to travel. Whether you’re spending money on a long-awaited trip or a spur-of-the-moment getaway, travel insurance can save you money, time, and frustration if things go wrong.

Here are some reasons you may need travel insurance:

You stand to lose a lot of money in non-refundable deposits if you cancel the trip. Trip cancellation is the coverage you want. It will cover 100% of the pre-paid money you’ll lose, as long as you cancel for a reason listed in the policy,

You’re traveling overseas and your health plan doesn’t have global coverage. Many health plans lack robust global coverage, or impose high out-of-network deductibles for care outside the U.S. Check your health plan details to see what it provides. Travel medical insurance fills the gap.

You’re going to a remote area. If you won’t be near any quality medical facilities, even a small injury could turn into a major medical event. Medical evacuation coverage will pay to medevac you to an adequate facility.

You want emergency backup. The 24/7 travel assistance lines that are included with travel insurance can assist you with finding a pharmacy, language translation, replacing a lost passport and much more.

What is the difference between travel insurance and travel medical insurance?

There is not much difference between travel medical insurance and travel insurance. The only difference is that the travel medical insurance is specifically designed to cater to health reasons. … A travel medical insurance policy includes cover for lost baggage, delayed flights, medical expenses and so on.

travel insurance coverage

Conclusion

We don’t recommend just picking the first travel insurance plan listed in your quote results – first, figure out what your main concerns are, what your budget will allow and select the plans that fit those criteria. CompareAquote.com is built to allow travelers to pick several plans to compare all at once. Take advantage of that! You can filter and compare based on the benefits that mean the most to you.

COVID-19 Update: New Epidemic Coverage Endorsement

For customers purchasing a new travel protection plan, many of the plans now include an Epidemic Coverage Endorsement, which adds epidemic-related covered reasons for certain benefits. Benefits vary by plan and by state of residence, and are not available in all jurisdictions.

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