travel insurance master2020 was a year of rescheduling and cancellations, but with that came the rise of domestic travel, road trips, and vacations closer to home. As we start the new year, popular destinations include staying within the United States, traveling to the Caribbean including the Dominican Republic and Aruba, and Mexico too.
With all the changes, one thing has remained a constant – the importance of travel insurance. Many travelers who had never purchased travel insurance before visited TravelInsuranceMaster.com to compare multiple providers and easily request a recommendation of a plan that met their needs. Seasoned travelers looked to protect their investment with our site too as they understood not all travel insurance plans would provide the coverages they needed. In 2021, what coverage should you look for?
Your destination will determine the plan that is right for you. Staying within the US? If you are traveling 100 miles or more from home, you will want the protection of travel insurance. You may still want the flexibility of cancellation, whether it be for medical, work, or other reasons. If hurricane season could affect your home or destination, the Hurricane and Weather benefit may be something for you to look into. Employment layoff and financial default along with many other benefits can be useful.
Depending on whether you choose to embark on a road trip, you may still have to cancel or shorten your trip due to a covered reason. If this happens and you have purchased the right travel insurance, you may be able to receive reimbursement of your otherwise non-refundable prepaid trip expenses like RV rental or campground reservations. Did you know you can also find coverage for your rental car on our website too, saving you the cost of an expensive plan at the rental car agency?
When travelling to another country, it is important to fill the gap where your regular health insurance may not offer coverage. Emergency Medical coverage can save you from a costly bill if your US health insurance plan is not accepted in another country. In case a traveler contracts COVID-19 while traveling, some countries are requiring proof of adequate insurance with Emergency Medical and Evacuation coverage. It’s important to note COVID-19 is treated the same as any other illness, so Emergency Medical and Evacuation Benefits will cover your otherwise non-refundable prepaid trip cost if you were to become ill during your travels. Trip Cancellation plans give you protection if you the traveler, your companion, a family member, or your business partner become ill with COVID-19 before your trip and you cannot travel. Trip Interruption also provides reimbursement of non-refundable prepaid trip costs and expenses for your return home if you or your companion are diagnosed with COVID-19 while on your trip. Trip Delay will cover hotel expenses and meals if you are delayed through quarantine required by a physician while on your trip.
Cancel for Any Reason may be a benefit to consider during this time. Be sure to buy your insurance early to take advantage of CFAR, usually within 1-21 days of your initial deposit, depending on your specific plan.
Visit cdc.gov for the latest updates. Starting January 26th, for all international trips, you will be required to get tested no more than 3 days before your return flight and provide a negative COVID-19 test to the airline before boarding your flight back to the US.
As always be sure to read your plan details for benefits and all the information you need like proof of cancellation.
