Why travel insurance?

Covered reasons may include situations such as the covered serious illness or injury of the insured person, a travel companion or a family member; the death of the. One of the best reasons to buy travel insurance is to have the protection of trip cancellation benefits. They can reimburse you for prepaid and non-refundable travel expenses when you need to cancel for a covered reason. When you get your money back, you can book your vacation for another, brighter day.

Travel health insurance is designed to help in these cases. It's especially important if you're traveling out of the country, where your U.S. Department of State may have limited or no coverage. And Medicare doesn't cover healthcare outside of the U.S.

UU. Travel insurance can vary greatly depending on the coverage you receive and how expensive your trip is. Even if you miss the window of your first travel deposit, you can purchase travel insurance at the last minute. It's best to purchase travel insurance within the first 14 days of your first travel deposit in order to get an exemption from pre-existing sickness exclusion.

Travel insurance also often works as a supplement to the insurance coverage you already have; this is the difference between primary and secondary coverage. Examples of acceptable reasons for canceling a trip include illness, injury, or death of the traveler, close family member, or travel companion; military deployment or civil unrest; a serious family emergency, including unplanned jury service. These disbursements may include airline tickets, hotel rooms, rental cars, excursions and cruises, says Daniel Durazo, spokesman for Allianz Travel Insurance. As more and more people travel, the Covid-19 pandemic continues to rage and breaking news can alter travel plans unexpectedly.

But if you haven't purchased travel insurance yet, the policy you're considering probably won't cover you for COVID. For example, if you get intoxicated and fall off a balcony, your travel health insurance won't cover the cost of your injuries. If you've paid a hefty sum for a non-refundable vacation, travel insurance is probably a good idea. Usually, you can't cancel your trip for any reason and expect a refund just because you have travel insurance.

That's why the State Department advises U.S. travelers to carry travel insurance specifically, travel insurance that includes emergency medical benefits, emergency medical transportation benefits, and coverage for other unexpected expenses, such as trip cancellation and loss or theft of luggage. Beyond comparison sites, you can always visit a specific travel insurance company's website for a quote, or call the company's toll-free customer service number for information. For example, if you contract Covid while traveling and have to extend your stay due to quarantine, your travel insurance plan can reimburse you for the additional costs assuming that the plan includes Covid coverage.

From snowstorms to hurricanes, travel insurance can cover you if adverse weather or natural disaster causes a covered event, such as a flight cancellation, to come between you and your trip.

Kayode Alhassan
Kayode Alhassan

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