There’s never been a better time to add travel insurance to your trip plans, especially with the Omicron variant of Covid still adding extra uncertainty to travel. Whether you’re spending money on a long-awaited trip or a spur-of-the-moment getaway, travel insurance can save you money, time and frustration if things go wrong.
What Does Travel Insurance Cover?
Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of plans available, you can find coverage levels that will fit your budget and trip needs.
Travel medical insurance
This is important coverage for travelers going abroad, where your U.S. health plan may have limited glocal coverage or no coverage. Travel medical insurance pays for ambulance service, doctor and hospital bills and other medical expenses during your trip. You can find generous coverage limits of up to $500,000 per person, but depending on your trip you may not need that level of coverage..
Because Medicare does not pay for health care outside the U.S., except in very limited circumstances, travel medical insurance is essential for senior travelers.
AXA Assistance USA
AXA’s Platinum plan hits all the high points for coverage that you’ll want if you’re looking for top-notch protection.
GoReady (formerly April)
While the medical coverage isn’t as robust as some other top plans, the low average prices for GoReady’s Pandemic Plus Plan make it worth considering if the medical benefit level works for you.
HTH’s TripProtector Preferred Plan has luxury-level benefits at a good price.
John Hancock Insurance Agency
John Hancock’s Gold plan has superior coverage but it also comes with a high average price.
John Hancock’s Silver plan has somewhat lower coverage levels but still deserves consideration because of its solid benefits.
Tin Leg’s Gold plan has a very competitiveaverage price for the generous level of benefits it provides. Check out the Tin Leg Adventure plan if you plan to do adventure activities.