Yes, you can purchase travel insurance anytime before your trip departs. However, securing coverage immediately after booking your flights and accommodation is strongly recommended. This proactive approach offers several key advantages.
Early Purchase: Maximum Benefits
Buying travel insurance early maximizes your protection. Many policies offer pre-trip coverage for unforeseen events like trip cancellations due to illness or job loss. Waiting until the last minute significantly reduces these benefits, and you might miss crucial windows for claiming reimbursement.
Consider Different Policy Types:
- Comprehensive policies: These offer the broadest range of coverage, including medical emergencies, trip cancellations, lost luggage, and flight delays. They’re ideal for peace of mind.
- Basic policies: These policies typically cover medical emergencies and trip cancellations but may exclude other benefits. They are a cheaper option, but you should weigh your individual risk tolerance.
- Specific event policies: Some policies focus on specific events like natural disasters or political instability in your destination.
Beyond the Basics:
- Read the fine print: Pay close attention to exclusions and limitations; they vary significantly between providers.
- Compare multiple providers: Prices and coverage can differ drastically. Don’t just settle for the first option you see.
- Consider your destination: The risks associated with traveling to certain regions will influence your insurance needs. Research your destination’s potential safety concerns and choose a policy that adequately covers them.
- Document everything: Keep copies of your policy, tickets, and other travel documents. In case of a claim, having all necessary documentation readily available streamlines the process.
Don’t underestimate the value of travel insurance. It’s a small price to pay for significant protection against unforeseen circumstances that can potentially ruin your trip.
Does travel insurance cover non-refundable flights?
So, you’re wondering if your travel insurance covers those non-refundable flights you booked for your epic adventure? Short answer: Trip Cancellation Insurance often does, but there are crucial details.
It’ll reimburse you for prepaid, non-refundable costs – flights, hotels, the works – if you cancel before you go, and only for covered reasons. This is where it gets tricky. “Covered” usually means unforeseen circumstances like a sudden serious illness (yours or a family member’s), a natural disaster at your destination making travel impossible, or maybe even a serious home emergency.
Important Considerations:
- Read the fine print! Seriously, every policy is different. Know what constitutes a “covered reason” before you buy.
- Get comprehensive coverage. Basic policies often have low limits. For expensive trips, a higher coverage amount is a must.
- Consider trip interruption insurance too. This protects you if something forces you to cut your trip short after you’ve started. Think unexpected illness mid-trek in Nepal, for example.
- Document everything! Keep all receipts, itineraries, and medical certificates. If you need to file a claim, this evidence is crucial.
Don’t assume your credit card’s travel insurance will suffice. It’s usually pretty limited. Dedicated travel insurance offers much broader protection, giving you peace of mind to focus on the amazing experiences ahead, not potential financial ruin from an unforeseen event.
Can I add travel insurance after purchase?
Whether you can add travel insurance after purchasing your flight depends entirely on the insurer and their policy. While it’s generally possible, and often recommended to do it soon after booking, don’t wait until the last minute. Some insurers have deadlines, often a few days or weeks before departure, after which adding coverage becomes impossible.
What travel insurance covers:
- Flight cancellations – crucially, understand what constitutes a “cancellable” event under *your* policy.
- Lost or delayed luggage – including compensation for essential items.
- Medical emergencies and evacuations – this can be extremely expensive abroad.
- Trip interruptions – unforeseen circumstances forcing you to cut your trip short.
Pro-tip: Compare policies carefully. Premiums vary wildly based on factors like age, destination risk, and trip length. Look for comprehensive coverage, especially if you’re going somewhere remote or engaging in adventurous activities. Don’t just focus on the cheapest option; adequate coverage can save you thousands in unexpected costs. Consider purchasing travel insurance that includes coverage for pre-existing conditions, if applicable. Finally, read the fine print! Understanding the policy’s exclusions is just as important as knowing what it covers.
How much does travel insurance cost?
Travel insurance costs vary wildly, but for domestic US travel, expect to pay between $95 and $433 on average. That’s a broad range, I know, and it depends heavily on several factors.
Factors Affecting Cost:
- Trip Length: Longer trips naturally cost more.
- Destination: While this refers to domestic travel here, certain US locations might carry higher risk and thus higher premiums.
- Age: Older travelers are often considered higher risk.
- Coverage Level: A comprehensive plan with extensive benefits will be significantly pricier than a basic policy.
- Activities: Plans covering adventurous activities like skiing or scuba diving will cost more.
What’s Covered? Beyond the standard baggage delay and trip cancellation, good policies can include medical emergencies (crucial!), lost or stolen belongings, and even flight interruptions due to weather.
Worth the Cost? Absolutely. I’ve seen firsthand how quickly a minor mishap can turn into a financial disaster. Think unexpected medical bills abroad, or a cancelled flight leaving you stranded and paying for extra flights and accommodations. The peace of mind alone makes the investment worthwhile. Researching policies and comparing quotes from different providers is key. Don’t just focus on the price; carefully read the fine print to understand exactly what’s covered.
Tips for Saving Money:
- Book early! You often get better rates if you buy insurance earlier.
- Consider a higher deductible. A higher deductible lowers your premium.
- Compare quotes from multiple insurers.
What is the difference between travel insurance and trip protection?
Let’s be clear: travel insurance and trip protection aren’t interchangeable. Think of trip protection as a lightweight, budget-friendly option focusing primarily on trip cancellation or interruption. It’s great for covering unforeseen circumstances that prevent you from taking your trip, like a sudden illness or a family emergency. But that’s usually where its coverage ends.
Travel insurance, on the other hand, is the comprehensive Swiss Army knife of travel. It covers not only trip cancellations but also a much wider range of mishaps, including medical emergencies, lost luggage, flight delays, and even unexpected events like natural disasters at your destination. This broader coverage naturally commands a higher price tag. Expect to pay 4-8% of your total trip cost, though this can climb significantly if you opt for Cancel For Any Reason (CFAR) coverage, which allows cancellation for pretty much *any* reason – a valuable, but expensive, peace of mind.
Here’s a quick breakdown:
- Trip Protection: Primarily covers trip cancellations and sometimes interruptions.
- Travel Insurance: Covers trip cancellations, interruptions, medical expenses, baggage loss, and more.
Pro-tip: Don’t just grab the cheapest option. Assess your trip’s specifics—length, destination risk, activities planned—before choosing. A high-risk adventure trip in a remote location warrants significantly more robust insurance than a weekend getaway to a nearby city. Also, consider reading the fine print carefully – exclusions and limitations can vary widely. And remember, comprehensive coverage can save you thousands in unforeseen medical costs abroad.
How to make travel insurance?
So, you want to know how to get travel insurance? It’s not about *making* insurance, but rather *buying* it – a crucial step before any trip. The process is surprisingly straightforward, but choosing the right policy requires some savvy.
First, compare providers. Don’t just settle for the first quote you see. Use comparison websites to get quotes from multiple insurers. Look beyond the price; delve into the details. What activities are covered? What’s the cancellation policy? Is medical evacuation included? These are vital considerations.
Think about your trip’s specifics. Your insurance needs will vary depending on your destination, trip length, and planned activities. A backpacking trip through Southeast Asia requires far more comprehensive coverage than a weekend getaway to a nearby city. Consider:
- Destination risk: Some countries have higher risks of medical emergencies or political instability.
- Activities: Extreme sports often require separate coverage or may not be covered at all.
- Trip length: Longer trips necessitate more extensive coverage.
- Pre-existing conditions: Be upfront about any pre-existing medical conditions; some insurers might exclude them.
Read the fine print! This is the most important step. Don’t just skim the summary; thoroughly read the policy document. Understand the exclusions and limitations. What isn’t covered? Knowing this is just as important as knowing what is.
Consider different coverage levels. Most providers offer various levels of coverage, from basic to comprehensive. Choose the level that best fits your needs and budget, keeping in mind the potential costs of medical emergencies or trip cancellations abroad – they can be astronomical.
Don’t underestimate the value of good insurance. It’s the best investment you can make for peace of mind while traveling. A small investment in insurance can save you from potentially catastrophic financial losses in case of unforeseen circumstances.
Is it too late to add trip insurance?
Don’t fret; it’s rarely too late for trip insurance. Many providers offer policies even for trips booked months in advance, providing cancellation coverage for unforeseen circumstances like severe weather or sudden family emergencies. However, the closer to your departure date, the more limited your options become, and the more expensive the premiums will likely be.
Crucially, pre-existing medical conditions are usually excluded. This is a significant caveat. While some policies might offer limited coverage for pre-existing conditions *if* they are declared *before* purchasing the insurance and *if* a specific waiting period is met (often 10-15 days, but varies widely), complete coverage is unlikely. Thoroughly review the policy’s fine print regarding pre-existing conditions before purchase.
Consider these factors when buying late-stage trip insurance:
- The type of coverage you need: Cancellation, interruption, medical emergencies, baggage loss – each adds to the cost and has specific timelines and limitations.
- The cost versus the potential losses: Weigh the premium against the total cost of your trip and the potential financial hit if something goes wrong. A cheaper policy might leave you underinsured.
- Read the fine print carefully: Pay close attention to exclusions, waiting periods, claim procedures, and any specific requirements.
Pro Tip: For the best coverage and rates, purchasing insurance *immediately* after booking your trip is always the ideal strategy. Waiting until the last minute drastically reduces your options and can lead to significantly higher premiums. Remember, travel insurance is an investment in peace of mind, not a last-minute fix.
Do I need travel insurance if I have health insurance?
Having existing health insurance doesn’t eliminate the need for travel insurance. While your primary health plan might offer some international coverage, it often falls short in crucial areas. A dedicated travel medical policy acts as a vital supplement.
Key reasons to consider travel insurance even with existing health coverage:
- Coverage Gaps: Your health insurance might not cover all medical expenses abroad. It may have exclusions for specific activities or conditions, leaving you with substantial out-of-pocket costs.
- High Deductibles and Co-pays: Even with coverage, deductibles and co-pays can be crippling for unexpected medical emergencies overseas. Travel insurance often covers these, significantly reducing your financial burden.
- Repatriation Costs: Getting you home safely in case of a serious illness or injury can be incredibly expensive. Travel insurance frequently includes medical evacuation and repatriation coverage.
- Lost Luggage and Trip Interruptions: Beyond medical emergencies, travel insurance covers unexpected situations like lost luggage, flight cancellations, or trip interruptions due to unforeseen circumstances (like severe weather or political unrest). This aspect can save you thousands.
- Emergency Medical Services: Accessing quality emergency medical services in unfamiliar places can be challenging. Travel insurance can help navigate this process by providing assistance with finding appropriate facilities and coordinating care.
Think of travel insurance as a safety net. It’s an investment in peace of mind, protecting you from potentially devastating financial consequences during your travels. Carefully review policy details to understand what’s covered and what isn’t.
Tip: Consider adding coverage for activities specific to your trip, like extreme sports or adventure travel, as these might be excluded from standard policies.
Does travel insurance cover flight cancellation?
Travel insurance coverage for flight cancellations is tricky. It often depends on the reason for the cancellation. Your insurer will likely cover you if the cancellation is due to circumstances beyond your control, such as severe weather, unexpected airline bankruptcy, or a mechanical failure requiring extensive repairs.
However, if you cancel your flight yourself, even for a valid reason like illness (unless explicitly covered by your policy), you’re unlikely to be reimbursed. Carefully read your policy’s fine print regarding covered reasons for cancellation.
What your insurance might cover:
- Rebooking fees: If the airline can’t rebook you on a comparable flight and your insurer’s policy includes this coverage.
- Accommodation costs: If you’re stranded due to the cancellation and need a hotel.
- Alternative transportation: Potentially, if getting to your final destination requires alternative transport (like a train).
What it likely won’t cover:
- Cancellations due to personal reasons (e.g., changing your mind).
- Flights cancelled due to events you knew about before booking the trip (e.g., a hurricane warning).
- Full reimbursement if you booked a non-refundable ticket and cancelled it yourself.
Pro Tip: Always purchase your travel insurance as soon as you book your flights. This ensures you’re covered in case something unexpected happens, and some policies have waiting periods.
Another Pro Tip: Consider purchasing comprehensive travel insurance that explicitly covers flight cancellations, and keep a copy of your policy readily accessible during your travels.
What are the disadvantages of travel insurance?
Travel insurance, while offering crucial protection, has several drawbacks. You may not need it if your trip is short, domestic, and involves minimal risk. Many credit cards offer some built-in travel insurance, potentially negating the need for a separate policy.
High cost is a significant disadvantage. Premiums can be substantial, especially for comprehensive coverage or longer trips. Carefully weigh the cost against the potential risks and your existing financial resources.
Pre-purchase necessity limits flexibility. You must buy coverage *before* your trip starts; purchasing it afterward is usually impossible. This can be inconvenient if plans change unexpectedly.
Age restrictions and limitations on pre-existing conditions are common. Older travelers might find it difficult or expensive to secure adequate coverage, and many policies exclude or limit coverage for pre-existing health issues. Always carefully review exclusions.
Specific exclusions are often overlooked. Many policies don’t cover certain activities (e.g., extreme sports) or situations (e.g., acts of war or terrorism). Understanding these exclusions is crucial before purchase.
Claims processes can be complex and time-consuming. Submitting claims often involves extensive paperwork and potentially lengthy waiting periods for reimbursement. Thoroughly read the fine print regarding claim procedures.
Insurance doesn’t cover everything. While it covers medical emergencies, it usually doesn’t cover lost personal items beyond a certain limit or trip cancellations due to personal reasons (unless a specific add-on is purchased). Consider what potential losses you’re most concerned about and if insurance adequately addresses them.
Does travel insurance cover 100%?
No, travel insurance doesn’t cover 100% of everything. That’s a common misconception. Think of it like this: it’s a safety net, not a blank check.
What it *can* cover: Many plans will reimburse 100% of your prepaid, non-refundable trip costs if you need to cancel for a specific, unforeseen reason listed in your policy. This could include things like sudden illness, serious injury, or natural disasters impacting your destination. But the devil is in the details.
The Fine Print (and why you should read it):
- Covered Reasons: Policies vary wildly. Some cover only medical emergencies, others include things like job loss (often with specific stipulations). Read your policy carefully to know exactly what’s covered.
- Pre-existing Conditions: Most policies won’t cover cancellations due to pre-existing medical conditions unless you purchase specific supplemental coverage *well* before your trip.
- “Unforeseen” means unforeseen: Changing your mind, finding a better deal, or simply not wanting to go are generally not covered.
- Proof of Loss: You’ll need documentation – medical certificates, police reports, etc. – to support your claim.
- Deductibles and Co-pays: Like other insurance, you might have a deductible or co-pay to meet before reimbursement starts. This reduces your out-of-pocket costs but doesn’t equal 100% coverage.
Pro Tip: Don’t just look at the price; compare the *coverage* of different plans. A cheaper policy might leave you high and dry if something goes wrong.
Another Pro Tip: Consider purchasing travel insurance early, as the coverage window for some pre-existing conditions requires purchasing well in advance of your trip.
What are two disadvantages travel insurance?
Travel insurance, while often recommended, isn’t without its drawbacks. Two key disadvantages frequently outweigh the perceived benefits for some travelers.
Cost: The most obvious downside is the added expense. Insurance premiums can significantly inflate your trip budget, especially for comprehensive plans covering everything from medical emergencies to lost luggage. This is a particularly difficult consideration for budget travelers or those on shorter, less expensive trips where the potential payout might seem less valuable than the upfront cost. Consider carefully the potential risks versus the insurance premium – a simple calculation of the potential cost of various scenarios (medical evacuation, lost passport, etc.) against the premium cost can help make an informed decision. Sometimes, using your credit card’s travel insurance benefits (if any) can provide adequate coverage for less expense.
Exclusions and Limitations: This is where many find the fine print truly frustrating. Policies are rarely all-encompassing. Common exclusions might include pre-existing medical conditions, adventure activities (like extreme sports), or even cancellations due to personal reasons (like a change of heart). Before purchasing, meticulously review the policy document paying close attention to:
- Specific exclusions: Note any activities, situations, or pre-existing conditions not covered.
- Limitations on coverage amounts: Understand the maximum amount the insurer will pay for various events.
- Waiting periods: Some policies have waiting periods before certain types of coverage kick in.
- Claims processes: Understand how to file a claim and the associated paperwork involved.
Ultimately, weighing the cost against the potential risks and carefully understanding the policy details is paramount to making an informed decision about travel insurance.
How much is travel insurance coverage?
Canadian travel insurance costs fluctuate wildly, but expect to shell out anywhere from CAD 50 to CAD 300. That’s a broad range, I know, but think of it like comparing a budget flight to a first-class ticket – the price jumps based on your needs.
Factors impacting cost:
- Destination: A trip to Costa Rica will likely cost more to insure than a weekend getaway to Quebec, simply due to increased risk factors.
- Trip length: Longer trips obviously demand more coverage.
- Age: Older travelers, statistically, have higher health risks, hence a higher premium.
- Coverage level: Basic coverage (medical emergencies only) is cheaper than comprehensive plans which might include trip cancellation, lost luggage, and emergency evacuation – all things crucial for adventurous travelers!
Pro-Tip for adventurers: Don’t skimp on coverage, especially if you’re into high-risk activities like mountaineering or whitewater rafting. Many standard plans exclude these, requiring add-on packages that increase the cost. Check what’s covered before you go. Consider options with medical evacuation clauses – getting rescued from a remote location can cost tens of thousands of dollars.
Another tip: Compare quotes! Websites specializing in travel insurance offer comparison tools to find the best deal. Remember, peace of mind is priceless when you’re pushing your limits in the backcountry!
Is 50000 enough for travel insurance?
50,000 dollars? That’s a starting point, not a guarantee. Insurance is wildly variable. Think of it like packing – you wouldn’t bring only one shirt, would you?
Consider these factors:
- Destination: Medical costs in some countries are astronomically higher than others. $50,000 might be fine for Europe, but insufficient for somewhere like the US or parts of South America.
- Trip Length: Longer trips naturally necessitate more coverage.
- Activities: Extreme sports? Backpacking in remote regions? You’ll need significantly more coverage than a relaxing beach vacation.
- Pre-existing Conditions: Many policies won’t cover pre-existing conditions. Check carefully.
My Rule of Thumb: While SquareMouth’s $50,000 for emergency medical and $100,000 for cruises/remote areas is a good benchmark, I always aim higher, especially for longer or more adventurous trips. Think about repatriation costs (getting you home if seriously injured), lost luggage, trip cancellations – those add up quickly.
Don’t Skimp: Insurance is an investment in peace of mind. A measly policy can leave you with devastating medical bills in a foreign land. Prioritize comprehensive coverage, including evacuation, and carefully read the fine print. Don’t let a few hundred dollars save you from financial ruin.
Does cancellation insurance cover flights?
Yes, trip cancellation insurance often covers flights, but it’s crucial to understand the nuances. It won’t cover everything – think of it as a safety net, not a guarantee.
What it typically covers: Pre-paid, non-refundable airfare is usually included if your trip is cancelled due to a covered reason. This could include things like unexpected serious illness or injury to you or a close family member, severe weather impacting your destination rendering travel unsafe, or even unexpected job loss (depending on the policy). I’ve seen firsthand how invaluable this is, having had to unexpectedly cancel a trip to Southeast Asia due to a family emergency – the insurance saved me thousands.
What it typically *doesn’t* cover: Changes of mind, simple inconveniences, or pre-existing conditions (unless specifically stated). Remember, travel insurance is about protecting against the unexpected.
Key things to check before you buy:
- Covered reasons: Carefully review the policy’s definition of covered reasons for cancellation.
- Maximum payout: Understand the maximum amount the insurance will reimburse for your flight and other travel expenses. Don’t assume it will cover the entire cost of your trip.
- Waiting periods: Some policies have waiting periods before coverage begins, so be aware of when you need to purchase it.
- Exclusions: Be sure you understand what’s *not* covered. This often includes things like strikes, political unrest (unless it’s a significant, widespread event impacting your travel), or simply changing your mind about your trip.
My advice from years of globetrotting? Don’t gamble with your travel investment. A comprehensive travel insurance policy, including trip cancellation coverage, is a wise investment, adding peace of mind so you can focus on the excitement of your journey, not the what-ifs.
Does Blue Cross Blue Shield cover international travel?
Yes, Blue Cross Blue Shield offers international coverage through their Service Benefit Plan. This means worldwide medical care is available should you need it while traveling or working abroad. It’s a huge relief knowing this, especially for intrepid adventurers like myself!
Crucially, it’s important to understand the specifics. While they provide worldwide coverage, it’s not a free-for-all. Familiarize yourself with the plan details beforehand. Things like pre-authorization for certain procedures might be required.
Here’s what I’ve learned from years on the road:
- Overseas Assistance Center: This is your lifeline. They’ll help you find English-speaking doctors, coordinate treatment, and assist with billing – invaluable when navigating unfamiliar healthcare systems.
- Documentation is key: Carry your policy details, emergency contacts, and any relevant pre-authorization documents. Always keep copies separate from the originals.
- Travel insurance is still beneficial: Even with BCBS coverage, supplemental travel insurance can cover non-medical emergencies like lost luggage or flight cancellations, offering extra peace of mind.
Pro-tip: Before you go, contact the Overseas Assistance Center. They can pre-screen your destination and provide specific advice, alerting you to any potential challenges.
What is the difference between travel insurance and travel health insurance?
Travel insurance and travel health insurance are often confused, but they’re distinctly different. Think of travel health insurance as a crucial subset of a broader travel insurance package.
Travel insurance typically offers limited coverage, often focusing on trip cancellations, lost luggage, and flight delays. While some basic medical coverage might be included, it’s usually insufficient for serious medical emergencies abroad.
Travel health insurance, on the other hand, is designed specifically for medical exigencies while traveling internationally. It provides far more comprehensive coverage, including:
- Medical consultations and treatments: Covers doctor visits, specialist consultations, and necessary procedures.
- Hospitalizations: Pays for inpatient care, including room and board, surgeries, and other related expenses.
- Medication: Covers the cost of prescribed medications needed during your trip.
- Medical evacuation and repatriation: This is a lifesaver! It covers the cost of transporting you to a facility with better medical care or back to your home country if needed.
Many comprehensive travel health insurance plans also extend coverage to:
- Emergency dental care: Because unexpected dental issues can be incredibly expensive abroad.
- Death and disability benefits: Providing financial support for your family in the worst-case scenario.
- Third-party liability: Protecting you against claims if you accidentally injure someone or damage their property.
From my years of globetrotting, I can tell you firsthand that investing in robust travel health insurance is non-negotiable. The cost of medical care in many parts of the world can be astronomically high, and even a minor incident can quickly lead to crippling debt without adequate coverage. Don’t let a fantastic adventure turn into a financial nightmare. Choose wisely!
What is the deadline for buying travel insurance?
Travel insurance: a ticking clock
Don’t get caught out! You have a narrow window to secure your travel insurance – a mere 14 days from your initial trip payment or deposit. This isn’t just about protecting your money; it’s about safeguarding your entire vacation. Missing this deadline leaves you vulnerable to unforeseen circumstances.
Crucial Coverage: Comprehensive Protection
Your policy must cover the total cost of non-refundable trip components. This means flights, accommodation, tours – the works. A partial policy is inadequate; you need comprehensive coverage to truly protect your investment. Think of unexpected events: medical emergencies, flight cancellations, natural disasters – all potentially devastating without the right insurance.
Eligibility: Residency and Fitness to Travel
- U.S. Residency: This is a non-negotiable requirement. Ensure your residency status meets the insurer’s criteria.
- Fitness to Travel: You must be medically fit for travel at the time of purchase. Pre-existing conditions often require specific declarations and may impact coverage. Consult your doctor and the insurance provider for clarity.
Pro-Tip: Don’t wait until the last minute. The application process might take longer than you anticipate. Secure your policy well before the 14-day deadline to avoid any last-minute stress. Consider factors such as your destination’s risk level and the activities you plan to undertake when choosing your coverage. A higher level of coverage might be beneficial for adventurous trips or destinations prone to natural disasters.
Remember: Purchasing travel insurance isn’t just about complying with deadlines; it’s an investment in peace of mind, ensuring you can enjoy your trip without the constant worry of unexpected costs.
Does travel insurance cover travel cancellation?
Most travel insurance policies include cancellation coverage, but don’t assume it’s a given. Always verify the specifics of your policy. The coverage amount varies wildly; some offer only a few hundred dollars, while others cover thousands.
Crucially, the covered reasons for cancellation are just as important as the amount. Standard policies usually cover things like sudden illness or serious injury, but might exclude pre-existing conditions or cancellations due to simple changes of mind.
Here’s what to check:
- Covered reasons: Does it cover illness, injury, job loss, family emergencies, severe weather (only in specific circumstances sometimes), or other unforeseen events? Read the fine print carefully!
- Maximum coverage amount: This is the most you’ll be reimbursed. Make sure it aligns with your trip cost, including flights, accommodation, tours, and any non-refundable bookings.
- Evidence required: What proof will you need to submit in case of a claim? This could include medical certificates, police reports, or other documentation.
- Pre-existing conditions: Many policies have exclusions for pre-existing medical conditions. If you have any concerns, inform the insurer before purchasing the policy. They may offer a policy with an add-on, but it’s often expensive or even impossible to add later.
Pro Tip: Consider purchasing a policy with a higher cancellation coverage amount than you initially think you’ll need. Unexpected events can be costly.
Another Pro Tip: Don’t wait until the last minute to buy travel insurance. Many policies have waiting periods before cancellation coverage kicks in. This is particularly vital for cruise trips.