Editor’s Note: For travel insurance information specific to the current COVID-19 epidemic, see our stories on Travel In the Time of COVID: What You Need to Know; Travel Insurance Coverage: 18 Things Your Policy Won’t Cover; and Cancel for Any Reason Travel Insurance, Explained.
Purchasing travel insurance is wise if you want to protect your trip against an array of unforeseen events such as natural disasters, missed flights, personal injury or sickness abroad, tour operators going bankrupt, or even acts of terrorism. But with so many types of travel insurance, lots of fine print, and complicated insider lingo to decipher, it can feel impossible to determine which kind of travel insurance is right for you.
With the right resources, however, it’s possible to pick a trip insurance policy you’ll be confident traveling with and paying for. This ultimate guide to travel insurance covers:
Who needs travel insuranceThe basic types of travel insuranceThe most common policy needs to considerLittle-known trip insurance technicalities you need to know in case they affect you
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Who Needs Travel Insurance?
There are several different types of travel insurance policies available, ranging from trip cancellation insurance to emergency medical evacuation, all of which vary widely in what their coverage includes and how much it costs. Make sure you know exactly what your policy will and will not cover before you purchase anything, and always buy your insurance from a reputable company (check out our list of travel insurance providers at the end of this article).
Is Travel Insurance a Waste of Money? For some people and certain trips, travel insurance is a virtual necessity; for others, it’s probably not worth the money. The question boils down to a matter of risk, and the best way to assess that risk is by answering four basic questions.
Are you willing to risk the loss of deposits or prepayments if your trip is canceled for any reason?Are you willing to pay out of pocket if you need to return home early from your trip for any reason?Are you willing to foot the bill for any out-of-pocket medical expenses, ranging from basic emergency care to emergency medical evacuation home, if you encounter any sickness or injury on your trip?Do you have a credit card or general insurance that includes bundled travel insurance?
If you answered “no” to any of the first three as well as the final question, you would probably be wise to invest in a travel insurance policy that includes TCI (trip cancellation or interruption) and/or travel health insurance. Read more about weighing risk and the cost of travel insurance here.
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