Why Travel Insurance Is Essential

Travel is an investment, and it needs to be protected.

What happens to the trip of a lifetime when you or a travel partner tests positive for COVID a few days before your departure date?

What if you or a loved one is in the hospital?

What if you sprain your ankle the night before your walking tour of Florence?

Without Travel Insurance, recovering your investment can be extremely difficult depending on what circumstances come into play. If you need to cancel at the last minute, many of the windows when you would be able to receive a refund (or even a voucher) will likely have closed. Some of these windows can close WEEKS out from your arrival date. 

What if I have to cancel?

A properly planned trip that was cancelled because of factors outside of your control is always easier to get a refund for, but the ease of success and how your investment is protected depends on whether you have basic travel insurance or “Cancel for any reason” insurance.

If you have no insurance at all? Well unfortunately, there’s not much that can be done, even if your trip was cancelled for COVID-related reason.

Even basic travel insurance no longer covers personal COVID cancellations, as everyone booking travel knows the pandemic is ongoing. If a government mandates travel restrictions, there’s a voucher process is available to affected travelers. However that process usually doesn’t refund the money spent, but rather allows travel to be rebooked with a travel voucher.

To truly protect your travel investment is “cancel for any reason” insurance which has to be purchased within a specific amount of time following the initial reservations. It certainly costs more, but the protection is essential in these uncertain times. 

What if COVID cases rise?

That depends. It can be very tricky to deal with destinations impacted by COVID case numbers. If the destination government restricts tourism, it may be possible to recover your costs. Insurance makes that process much easier. 

If you make the choice to cancel your plans because you no longer feel safe due to high case numbers, but you aren’t sick yourself? Without “Cancel for ANY reason” insurance, it’s unlikely you will receive a refund. 

What if I get sick or injured on vacation, or a family member gets sick needs me back home?

Travel insurance can protect you even if your incident happens while you are vacationing. A lot of your travel insurance will have coverage available to help defray the cost of medical care, hospitalization, or even evacuation should it be needed.

I’ve already booked my trip can I still buy insurance?

Sure! While it’s always the safest idea to buy insurance when booking your travel, there are policies available at any time.

“Cancel for any reason” coverage is usually only available for so many days after you make your initial payment. The safest way to protect your investment is to purchase coverage when booking your travel. 

How much does insurance cost?

The cost of insurance is based upon a few factors like the cost of your trip and your age, for example. To get a more accurate idea, click here: