WHY YOU SHOULD BUY TRAVEL INSURANCE

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If you don’t buy travel insurance, you may want to rethink that decision!

Here is a list of countries today that require proof of travel insurance or health insurance that covers Covid-19:

Anguilla, Argentina, Aruba, Bermuda, British Virgin Islands, Bolivia, Cambodia, Chile, Costa Rica, Curacao, Democratic Republic of Congo, Egypt, Grenada, Georgia, Isreal, Jordan, Nepal, Oman, Saudi Arabia, Seychelles, Singapore, Saint Maarten, Tahiti, Thailand, Turks and Caicos, Ukraine and Uruguay.

A common question that we get is, “What does travel insurance cover pertaining to Covid-19.”

We partner with Travel Guard Insurance. Here is an explanation of their coverage:

Most plans offered by Travel Guard provide coverage for trip cancellation, medical expense, trip interruption, trip delay and lost luggage.

If you become ill with Covid prior to your trip and a medical doctor confirms the diagnosis, trip cancellation coverage may reimburse you for your non refundable expenses.

If you become ill with Covid while on your trip, you could be covered for medical expense, trip interruption, trip delay and emergency medical evacuation benefits if there is a confirmed diagnosis, including proof of illness from a doctor.

Trip Interruption can provide coverage for your non refundable expenses, as well as additional transportation expenses incurred to return home or rejoin your trip.

Trip Delay can provide coverage for additional expenses you may incur for hotel, meals and certain transportation costs incurred if you are required by a doctor to quarantine.

Medical Expense can provide coverage for medical expenses incurred while being treated for Covid-19.

Cancellation for fear of traveling because of Covid is only covered if you upgrade to Travel Guard’s “cancel for any reason insurance.” The criteria for this coverage is:
1. Cancel for any reason must be purchased within 15 days of deposit.
2. The trip is cancelled more than 48 hours prior to the scheduled departure.
3. The full cost of all non-refundable, prepaid trip arrangements is insured at the time the policy is purchased.

We also partner with tour companies that offer cancel for any reason insurance as part of the tour package. You have the option of purchasing one of two policies: “Cancel For Any Reason” and get a full refund or for a lesser premium you can opt for a future travel credit.

You need an expert more than ever to navigate the new rules of travel. We are here for you!

Feature image of a couple vacationing in Thailand courtesy of Bigstock.