Tips for the Pandemic Traveler

Tips for the Pandemic Traveler

Many travel insurance policies offer good medical coverage, but not all cover COVID-related problems. If that’s important to you, make sure to verify that the plan you’re buying specifically covers you in case you contract COVID, says Kasaro Barto, spokesperson for Squaremouth.

Squaremouth recommends a minimum of $100,000 in emergency medical and medical evacuation coverage in order to account for COVID-19 related medical care and evacuation expenses.

Sudden travel bans and unexpected quarantines requirements can also derail your trip, too, but standard travel insurance may not cover these problems, warns Barto. Buying cancel for any reason coverage will give you some reimbursement no matter what your reason for canceling.

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But add cancel for any reason coverage quickly if you want it, advises Barto. You may have only a couple weeks before the option expires for your plan.

Also, some travel destinations abroad have medical coverage requirements for incoming travelers. Confirm the medical coverage requirements you’ll need for your destination before you buy a travel insurance plan.

Other Plan Benefits to Look For

The plans listed above include benefits beyond trip cancellation and medical coverage. Check out the details to make sure you’re getting other benefits you want, too. For example, the Cat 70 plan that scored among the highest in our rankings also provides reimbursement for:

  • Trip cancellation due to injuries, weather, hurricanes and terrorism
  • Travel delay
  • Missed connections
  • Baggage and personal items
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Using data provided by Squaremouth, Forbes Advisor scored plans based on these measurements:

COVID medical coverage: 20 points. Plans earned points for providing medical coverage that does not exclude COVID.

Type of medical coverage: 20 points. Plans earned points for having primary medical coverage vs. secondary coverage. Primary coverage is often preferred by travelers who don’t want to go through their own health plans first for a claim.

Medical coverage limits: Up to 20 points. Plans earned more points for higher medical coverage amounts.

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COVID cancellation coverage: 40 points. Plans earned points for offering trip cancellation and interruption coverage if the traveler contracts COVID.

Cancel for any reason coverage: 20 points. Plans earned points for also offering cancel for any reason coverage, which allows cancellation for any reason, including fear of traveling. It generally adds about 40% to the travel insurance cost.

Source: forbes

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