Travel is a booming industry that literally reaches the most remote parts of the world. However, this industry was halted in 2020 by the Covid pandemic. Repeated restrictions following a global lockdown soon put an end to the bustling travel sector. Not only the industry, but also travelers who have already booked or are already traveling had to face the impact of these restrictions and the wider health risks.
Two years later, travelers are now well aware of the drill before planning a trip. At this point, they are very careful to ensure that not only are they vaccinated, masks, and sanitizers but also all safety measures, including travel insurance, are in place. Amidst the uncertainty caused by the recurring Covid types, travel insurance has become a vital protection for every traveler.
Why should you have travel insurance on your checklist?
Going on a journey between Covid prevalence is fraught with uncertainty. Travel insurance is a shield that protects people from any major expenses or losses associated with their travels. These mainly include medical emergencies, money laundering, passport loss, flight cancellations, and lost luggage. In addition, all travel insurance policies cover all types of COVID-19, including Omicron, which treats them as any other medical emergency during domestic or international travel.*
Coverage of your travel insurance
- Trip cancellation
Trip cancellation tops the list of possible reasons for choosing travel insurance. However, you should be clear about the circumstances listed in your policy under which your trip cancellation will be covered. Generally, you will only be insured against trip cancellations for reasons beyond your control. These range from sudden and serious illness to the death of a family member, from natural disasters to flight cancellations. Make sure you understand what your international travel insurance protects you from. *
- Medical emergency
The likelihood of medical emergencies on the go after a COVID outbreak has increased significantly. Insurance covers the cost of hospitalization due to accidents and illnesses. Many plans also cover pre-existing diseases. If the insured person is experiencing a medical emergency due to Omicron, and they have been exposed to COVID and hospitalized on an international trip, travel insurance will also cover the outpatient costs for them. However, the coverage depends on the limit specified in the policy. Therefore, even if you are fully vaccinated, this cover will protect you from the medical costs of the new variant. This especially helpful for travelers of higher age. You should look for a travel insurance for senior citizens in this case. *
- Covid restrictions
Since quarantine rules are still mandatory in some countries, travelers are concerned about covering this cost as well. However, quarantine costs are mostly covered only if they are related to treatment in a medical facility. Most insurance companies will not cover your quarantine unless you take precaution or treatment. *
- Delay or loss of belongings
Delaying luggage or, worse, losing it on the way is possible at all times. But being in this situation only increases the stress that travelling in Covid brings already. So, if you insure against damage and delay to your check-in luggage, your travel insurance will provide you with monetary compensation in such case. *
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.