The Ultimate Guide to Travel Insurance during the Pandemic | Flightlayaway

To travel or not to travel is the question the ongoing COVID-19 pandemic has travelers pondering. While there are strict travel restrictions and rules in effect, there are many reasons to be on the move, whether it is traveling to be with family, or heading to the Maritimes for a must-do work trip, or relaxing at the cabin to beat the pandemic fatigue.

It is impossible to predict when we will be able to travel with fewer restrictions again. If you need to travel for essential reasons-like work or family obligations-travel insurance becomes more important than ever. No matter if you are traveling for business or leisure, travel insurance must be on your priority list before departing for your next trip. Things can and do go wrong, from accidents and illnesses to being in the wrong place at the wrong time, even more so during the pandemic. To help you travel during uncertain times, here's the ultimate guide to travel insurance during the pandemic.

Why should you buy Travel Insurance?

If you want to break out into the world again and travel in 2021, you may be thinking about how to guard yourself against Coronavirus. Well, one way is to get travel insurance.

Many travelers see travel insurance as just an added expense and often argue the need for insuring their travels. It can come in very handy during inclement weather, mechanical breakdowns or unannounced flight delays, and shutdowns, especially during the pandemic. Therefore, if you plan to travel during the pandemic, ensure you have adequate travel insurance, so you are not on the hook for thousands of dollars if you fall ill or are injured while away.


Travel Insurance: Why is it important during the pandemic?

COVID-19 has created uncertainty throughout the world. However, travel insurance can cover unforeseen circumstances such as medical emergencies, trip cancellation, trip interruption, airline delays, baggage loss, damage, or delays. If anything happens while you're away or you need to cancel your trip, your expenses could be covered.


Travel Insurance for domestic trips

Travel insurance is a smart purchase even for domestic trips. Although you can get basic healthcare while traveling domestically, it doesn't cover all the costs associated with medical emergencies.

If, for instance, the exam cost in your home the state is higher than the exam cost in the state you're visiting, you may have to cover the difference - that is, if you don't have travel insurance.


Travel Insurance: What to look out for?

You must consider three things when choosing the right travel insurance:

Trip cancellation and medical expense coverage due to COVID.

The value of the benefits.

Whether the plan also offers "cancel for any reason" coverage, it gives you the option to cancel and get some reimbursement no matter the reason.

Make sure to understand all the details and coverage limits in that policy.

Travel Insurance Checklist

Pay attention to the following when reading your policy:

Does your insurance cover COVID-19-related medical care? What are the restrictions or limitations in this regard?

Is your destination excluded from coverage? Does your policy cover destinations with a level 3 or level 4 government advisory (avoid all non-essential travel)?

Is emergency medical repatriation covered?

What is the maximum duration of your stay?

Do you have the option of extending your contract in case of emergencies?

What is the maximum amount your insurance will cover?

Make sure you know the minimum requirements of the destination so you can make an informed decision. If you don't have travel insurance, you'll be stuck with the majority of those costs.

Travel insurance is totally worth it.

Travel insurance provides greater peace of mind and ensures you aren't strapped for cash for any unexpected emergencies you may face while you're travelling. If you are suddenly forced to leave your destination for unforeseen reasons like medical emergencies or injuries, travel insurance can help pay for the expenses to get you back home earlier than planned.

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