Taking a trip during these past few months was not only a difficult task due to the closing of many borders, but for some, it appeared to be a downright dangerous proposition. However, plenty of people had and still have some tasks that they just couldn’t postpone, which means that finding a proper travel insurance which covers for Covid-related illnesses is a necessity.
As of right now, the virus is still extremely contagious and the lack of a proper vaccine presents an additional problem for all travelers. Once the virus officially reached a state of pandemic in March, most prognosis claimed that everything will soon be back to normal. Fast forward to almost the end of July, and not much has changed.
At least now, we are pretty aware of what we have to do in order to keep ourselves and everyone around us safe. Having a good travel insurance is another one of the vital components that relieves stress during these rough times. Still, which one should you choose? Let’s find out!
Here are some of the most reliable insurance covers:
Atlas Premium
Having the word premium in the name is not always a guarantee of high quality, but with this Atlas insurance, there is no room for error. The costs of this insurance can vary due to a number of factors, but in case of emergency, including the complications with Covid-19, you will be fully covered. Be careful, however, as this type of insurance is only valid for one trip, after which you will have to purchase it again. Frequent travelers may opt out for the yearly model, which can bring them an additional peace of mind. Naturally, as with every insurance, there are some exclusions, so be noted to take everything into consideration if this will become the insurance of your choice.
Cat 70
When finding a great travel insurance is paramount, people do not necessarily look at the costs, but expect to get the best possible coverage. That is where the Cat 70 excels. Besides offering the basic stuff, such as the free cancelations due to coronavirus-related issues, you can also use one of many other benefits.
This includes the COVID insurance plan that covers for expenses up to $500,000 per person. This is a tremendous amount, and it sets them head and shoulders above the competition. However, the story doesn’t end there. Cat 70 also offers coverage for various different cancelations, where individuals can be reimbursed for 75% of the total amount. This is why we consider it to be one of the best options out there.
TinLeg
Here is an insurance company that not a lot of people have heard of, but once you take a look at their travel insurance plans, you will know that they are worth your time. Among their travel insurance plans, they include a COVID coverage, which encompasses cancelations for you and a person you are traveling with.
Depending on the insurance plan you choose, the limit can be set to anywhere from $10,000 all the way to $500,000. If your trip gets delayed due to mandatory quarantine, you can also choose a plan that covers accommodation expenses. Similar to the above mentioned insurance plan, with TinLeg, you can also cancel your trip for any reason and receive 75% of your money back. Just be careful to choose a plan that fits your needs the best.
John Hanco*ck
These days, the trip cancelations policies are a must for most travelers, and the John Hanco*ck Insurance agency is one of many who are taking care of their clients. The only thing needed to get 100% reimbursem*nt on cancelled trips is a medical diagnosis, confirming the positive test for COVID-19. Anyone who chooses their gold plan will have medical coverage up to 250,000.
Additionally, because coronavirus coverage is considered a primary option, any costs that are covered by this insurance do not fall under other health plans. We should also note that all of the benefits we mentioned above are included in their gold insurance package. For many, this is not a very affordable option, but at least you know you’ll be getting the best possible quality of service if you choose this plan.
USI Affinity Travel Insurance Services
The main selling point of a good travel insurance is to take your mind off worrying about any unpredicted circ*mstances, allowing you to focus on making the most of your trip. With USI Affinity Travel Insurance Services, you can always say you know what you paid for.
In general, the insurance covers for coronavirus-related expenses that amount to no more than $250,000 per person, which is still a respectable figure. It is also possible to cancel your travel arrangements at any point due to some other reason, and you’ll still be able to get 75% of your money back. What separates this travel insurance from others is the complete transparency when it comes to the services they offer. While their website is pretty good, they also have a top-notch customer support, which will gladly answer all of your questions. In the time of need, this is one of the best qualities an insurance company can possess.
AXA Assistance USA
When your travel insurance plan is known as platinum, it better be good. Luckily for AXA Assistance USA, thousands of satisfied clients can confirm their quality. Much like most of the other insurance plans from this list, AXA Assistance USA platinum plan provides coverage up to $250,000 when it comes to trip cancelations that resulted from coronavirus.
This plan also includes cases such as missed connections, trip delays and emergency evacuations. If you want to get an all-encompassing plan that takes care of all the unpredictable events that may occur, you should be covered if you choose the platinum plan from AXA Insurance.
Heymondo Travel
In case you choose the Heymondo Travel insurance, you will be covered for all the expenses you suffered due to Covid-19, but you will have to present a positive medical test as a proof of your claims. Additionally, in the case of emergency, you will need to notify the client support from Heymondo, after which all of the potential expenses will be covered in advance.
Furthermore, even if you only encounter mild symptoms that require no hospitalization, but you happen to run into additional costs for accommodation during quarantine, Heymondo will also step in and take care of it for you.
Trawick International
Based on your requirements, you can choose from a plethora of travel insurance options from Trawick International. That includes reimbursem*nts for costs that occurred due to trip cancelation, delays, interruptions, and most importantly, coronavirus-related illnesses.
In fact, Trawick released an announcement where they had publicly claimed that travelers who encounter problems due to Covid-19 will be treated as with any other illnesses, and will be suited for complete or partial reimbursem*nts. Even if your country of choice has declared a pandemic, you will still be able to get complete coverage. That is a definite positive that deserves to be mentioned.
Many insurance houses still offer trip cancelation
In case you aren’t satisfied with any offers from insurance houses who cover for the COVID-related troubles, your best bet is to aim for those who offer free trip cancellations. Luckily, this has become a common practice in the past few years, and it’s not a difficult task to find those who allow for this option.
Naturally, there are always some things to take into consideration, such as the allowed time during which the cancelation comes free of charge. In most cases, you should be good in case you apply for cancelation at least 48 hours prior to your flight. However, even if you fail to honor this margin, you’ll at least be reimbursed a certain percentage of your money. Judging by our quick exploration, there are several insurance houses who will reimburse up to 75% of the ticket value even after that time.
