While the pandemic has depressed travel, it may have encouraged travel insurance, say those in the industry.
“The biggest question we get from customers is: ‘What if I get COVID while traveling and what if I have to quarantine?’ President Jeremy Murchland said. Seven Corner, a travel insurance management company. “Covid has created widespread awareness about travel insurance.”
But will it help you in light of the new Omicron version, which already has new travel restrictions and requirements? In the early days of the pandemic, travel insurance largely failed For the safety of passengers who wanted or wanted to cancel because of the world closure. Following are the answers to common questions about travel insurance now.
Does travel insurance cover COVID-19 including the new Omron version?
For the most part, yes, travel insurance policies now treat COVID-19 in all its forms – including Omicron – like any other medical emergency.
“Consumers should be aware that most travel insurance plans with medical benefits now treat COVID like any other disease that you may contract while traveling or that may prevent you from going on your journey,” Carol Muller said. Berkshire Hathaway Travel Protection, “If you become ill before your travel, you will need a doctor’s note confirming your illness and that you are unable to travel to be eligible for benefits. The benefits are the same even if you are on Omicron. contract, another type of covid or any disease for that matter.”
Buyers should read and pay attention to policies that exclude Pandemic, COVID-19 and its variants. To claim, you must have travel insurance before you become ill.
“We always say, you can’t buy auto insurance after you’ve already had an accident,” said product manager Meghan Walch insure my trip, an insurance sales site. “It’s made for unforeseen issues. You have to buy it before an event.”
I am traveling internationally. If the borders are closed due to Omicron, am I covered by travel insurance?
No, most policies do not cover you if your foreign destination closes its borders to visitors, As Israel recently did. With few exceptions, the same goes for a government-issued travel warning for a destination, which is generally not a covered reason to claim.
Given Omicron’s additional uncertainties, should I consider a ‘cancelled for any reason’ policy?
The Cancel for Any Reason, or CFAR, provisions will allow you to claim some of your non-refundable costs if you decide not to travel for any reason, including border closures or contracting COVID-19. Fear is involved. The rub is that this form of insurance – in addition to being more expensive – typically must be purchased within a day or two of booking travel and will only return 50 to 75 percent of non-refundable travel costs.
“Most travel insurance policies do not cover you for wanting to cancel due to the fear of Covid. We say it 10 times a week,” said agency owner Sarah Groen. Bell & Bailey Travel, She advises clients to consider their worst fears — illness, for example, or quarantine — in troubleshooting travel insurance. “We’ve become like therapists,” she said.
What about quarantine and medical expenses?
Make sure the policy you choose covers these. In case of medical coverage, contact your regular health insurer; Many policies will not cover you abroad, which is an additional reason to consider coverage if you are traveling internationally.
“What travel insurance can do is cover additional hotel stays if you are able to self-quarantine and additional airfare when you are able to come home,” said Megan Moncrieff, chief marketing officer squaremouth, a travel insurance sales site. He added that most policies will extend to seven days from your originally scheduled return date, effectively covering only seven days in the case of a quarantine.
Do some destinations require travel insurance?
Yes, primarily to cover medical care or quarantine accommodation in case a passenger tests positive for COVID-19. for example, Singapore Medical insurance is required with a minimum coverage of 30,000 Singapore Dollars or approximately $22,000. fiji Travel insurance is required to cover potential treatment for COVID-19, and it offers from around $30. some destinations, such as anguillaRecommend, rather than require, travel insurance. InsureMyTrip.com has one Page Dedicated to countries that require travel insurance.
It is a matter of thinking about what it will take to go home for treatment, should you contract COVID-19 abroad. Thailand, for example, Is necessary Travelers must have medical insurance with a minimum coverage of $50,000. “The evacuation from Thailand will be higher,” said Sasha Genulin, chief executive officer battleface, a travel insurance start-up that unbundles benefits. In the case of travel to Thailand, he recommends seeking medical coverage of up to $100,000 for local treatment and up to $500,000 for medical evacuation and repatriation.
Do I need insurance if I have a booking with flexible cancellation policies?
Probably not, if you have a hotel reservation that allows free cancellation 24 to 48 hours in advance. Same with flights; If your flight is variable and will provide a voucher or refund in case of cancellation, you are covered.
I have rented a house with restrictive cancellation penalties. Can I get insurance against them?
Yes. Airbnb and similar vacation home rentals may be treated just like other accommodations that do not offer a refund. In this case, you would want to get a policy in the amount that you would forfeit if you had to cancel for a covered reason such as illness. Again, the fear of travel is not a covered cause; For that, you will need CFAR . would be required
Elaine Glusack is a frugal traveler columnist. Follow him on Instagram: @eglusac,
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