FAQs on Travel Insurance
Do you need comprehensive coverage or travel medical coverage?
While comprehensive coverage is more pricey, it could come in handy if your trip is canceled or interrupted. Or, if your baggage is lost, stolen or damaged, your travel insurance can provide reimbursement.
Does your travel insurance cover COVID-19 as a covered reason for trip cancellation or interruption?
Many travelers are opting to purchase additional insurance to cover trip cancellation or interruption resulting from COVID-19. You’ll want to make sure you purchase a policy that allows you to “cancel for any reason,” which will include reasons due to the ongoing pandemic.
Do you have a preexisting condition?
If you have a chronic illness, you’ll want to make sure that it’s covered under your travel insurance.
What excursions or activities will you be doing while traveling?
Suppose you’re partaking in a high-intensity sport like skiing or scuba diving, or something fun but risky like hot air ballooning. In that case, you’ll want to make sure that your travel insurance will cover accidents or injuries resulting from these kinds of activities.
How easy is it to make a claim?
Some companies offer a simple app through which you can file claims after a trigger event, such as a flight delay or cancellation, or have 24-hour service. If this isn’t the case, you may have a significantly more difficult time getting your claim processed or assisting in resolving issues in a timely fashion.