Globetrotters are now facing additional travel problems due to the COVID-19 pandemic. They are facing uncertainty about their travel plans, in addition to the usual health risks. Frequent travellers are concerned about the COVID-19 restrictions at airports and destinations. You have probably realized the importance of travel insurance in the face of COVID-19 uncertainties. We will be discussing the important factors to consider when choosing a travel plan. Let’s first look at the different types of travel insurance policies.
Two categories are used to group basic travel insurance:
For medical expenses resulting from accidents, illnesses, or personal liability.
For non-medical coverage: To cover airline/hotel cancellations and lost passports as well as baggage loss or delays and repatriation for mortal remains.
You can purchase student insurance if you plan to travel to study abroad. Benefits for student travel insurance include accidental death, cashless hospitalisation, and medical care. ICICI Lombard offers the best student insurance policies. They provide both medical and non-medical coverage.
COVID-19 coverage is available on many travel insurance policies. Your travel insurance will cover you in the event that your trip is impacted by the pandemic. To protect yourself and your family during these difficult times, make sure you have a quality travel insurance plan.
Considerations when buying insurance during the COVID-19 Pandemic
You must make sure that you have the following coverage if you plan to purchase travel insurance during COVID-19.
Adequate cover for COVID-19 infection
Travel insurance policies should include medical coverage. Even when you are on vacation, sickness and other health issues cannot be predicted. Travelling is not an option, especially with the current pandemic. It doesn’t matter if you travel in business or economy class, there is no room for social distancing on aeroplanes.
The COVID-19 vaccine provides protection against infection but there is no guarantee you won’t get it. Make sure that your travel insurance covers accidental death and accidental hospitalisation. Your policy must include coverage for your outpatient expenses and cashless hospitalisation.
Coverage for changes to travel plans
Travel insurance policies should allow you to modify or change your travel plans. Flexible policies let you adjust your travel plans to meet the changing COVID-19 conditions.
Trip cancellation coverage
Trip cancellations are covered by a good travel insurance policy. If you have COVID-19 and need to cancel your trip, you must purchase coverage.
Flight cancellation coverage
The global number of coronavirus infections is constantly changing. The international and domestic travel guidelines are constantly changing. This causes frequent flight cancellations and changes. This can all lead to major disruptions in your travel plans.
A travel insurance policy that covers you for travel plans disruptions is ideal in such cases. You can book another flight at no additional cost. Due to the pandemic, airfare prices have become more expensive. You can still save money even if your flight is cancelled with a travel insurance policy.
Cover for flight delays
Flight delays are common due to the ongoing pandemic. This could mean that you may be left waiting to receive your new flight details. This is where a travel insurance policy could come in handy. It will cover your hotel and food expenses.
These are some of the things you should consider when selecting a travel policy in light of COVID-19.
Are your flight delay costs covered?
What about medical expenses on your overseas trip?
Is your policy designed to cover evacuations and political risks?
Is it covered for cancellations or disruptions of flights?
Are you covered for any connecting flights you might miss?
Does your policy cover emergency prolonged hotel stay?
Is it applicable to cancelled hotel or airline reservations?
When you travel, make sure that you have the most recent COVID-19 positive test report. This is in addition to being fully vaccinated. To be prepared for the possibility of high numbers of COVID-19-related cases in your area, it is important to research thoroughly. This will allow you to be prepared for any pandemic situation.
When you’re away from your home, travel insurance can cover most unexpected expenses. Compare travel insurance online to find a reputable insurer such as ICICI Lombard.