After all that people went through in 2020, 2021 is shaping up to be a very kind type of year. One of the ways it’s going to be different? Travel. That’s right – travel is back!
Not only do more and more people want to travel – and, more importantly, are willing to travel. Travel companies like cruise lines are also enticing travelers with great deals and discounts.
Of course, this doesn’t always work out – especially with the cruise restrictions in place.
Even the best-laid plans can get canceled. Princess Cruises, for example, canceled several sailings through August of 2021 and others through the end of the year.
To help protect you from losses related to cancellations, you need travel insurance.
Here are some of the benefits offered by travel insurance, plus how travel insurance companies are helping people to feel more confident as they make new plans.
Travel Post-COVID
Some people balk at the expense of travel insurance, but the benefits far outweigh the cost. This holds especially true when navigating the ever-changing landscape of a post-COVID world.
Read some of these benefits and important coverages below.
Emergency Coverage
If you or anyone in your travel party experience common travel damages, you don’t have to bear the brunt of those losses on your own. Travel insurance will help reimburse those costs. These damages might include:
- Falling ill
- Sustaining an injury
- Losing luggage
- Flight cancellation
- Encountering unforeseen circumstances
Covers Risks
You incur many risks when traveling, i.e. losing your passport or checked baggage.
Travel insurance adds an extra layer of protection should losses like this occur, so you don’t bear the full financial brunt.
Assistance When You Need It
Travel is exciting because it takes you to places far away from home.
Unfortunately, being far away from home means you’re slower to find good hospitals or file claims the right way in a foreign medical system. Travel insurance assists you with things like this when you most need it.
Refund Help
Cruise lines have incredibly tough cancellation policies. You can’t predict if a sudden illness or death in the family might prevent you from traveling.
Travel insurance assists you to obtain a refund, making the process far less painful for you.
Different Types of Travel Insurance
Travel insurance has become more robust as time goes on, which is one positive outcome of the pandemic. You can choose from several different types of travel insurance to help suit your individual needs.
These include:
Comprehensive Travel Insurance
This is the best protection to choose for a vacation, as it covers a variety of areas such as delays, medical, baggage, interruption, accidental death, emergency evacuation, and dental. It even provides 24-hour assistance.
Travel Medical Insurance
These plans offer you defined, specific coverage when traveling outside your home country. It’s a great way to close any gaps in your primary health insurance coverage if you need medical care while abroad.
Accidental Death
If you or someone in your party is accidentally killed or dismembered while traveling, this type of insurance will pay benefits to a named beneficiary.
Emergency Medical Evacuation
In the event you must be evacuated due to injury or illness, this type of insurance provides transport assistance.
About the Author:
Andrew Winston is a partner at the personal injury law firm of Winston Law. For over 20 years, he has successfully represented countless people in all kinds of personal injury cases, with a particular focus on child injury, legal malpractice, and premises liability. He has been recognized for excellence in the representation of injured clients by admission to the Million Dollar Advocates Forum, and named one of America’s Top 100 High-Stakes Litigators. Mr. Winston is AV Preeminent Rated by the Martindale-Hubbell Law Directory, enjoys a 10.0 rating by AVVO as a Top Personal Injury Attorney, has been selected as a Florida “SuperLawyer” from 2011-2020 – an honor reserved for the top 5% of lawyers in the state – was voted to Florida Trend’s ”Legal Elite,” recognized by Expertise as one of the 20 Best Fort Lauderdale personal injury attorneys, named one of the Top 100 Lawyers in the Miami area for 2015-2017, and one of the Top 100 Lawyers in Florida for 2015-2017 and 2019.
