As the world is its doors and easing its way into welcoming travelers, you might have the sudden urge to try more exciting things that the pandemic has kept you from doing. The excitement, the nerves, and the adrenaline rush you surely missed for the past couple of years are waiting for you. However, the pandemic has taught us that we should always be ready and safe.
Everyone who travels knows the potential risks— and costs— associated with being away from home for an extended period of time. Traveling can be expensive and challenging, but it’s even riskier if you aren’t fully prepared. When traveling, you may have to cover unexpected expenses such as medical care or transportation home if something goes wrong. A lack of travel insurance can be disastrous in the event that you need emergency medical services or your possessions are damaged or stolen while you’re away. There are many reasons why travel insurance is a smart investment, no matter where you plan on going
What is travel insurance?
Travel insurance plans are designed to protect you from many different types of travel-related losses. These plans are usually sold as a type of insurance policy that covers you in the event of travel-related accidents or illnesses that might affect your travel plans. Some of the most common travel insurance plans include trip cancellation insurance, travel medical insurance, lost baggage insurance, and travel delay insurance. Depending on which travel insurance plan you choose, the coverage will vary. The best way to know what type of coverage you should look for is to create a list of your travel goals and the potential risks associated with each trip.
How much does travel insurance cost?
Travel insurance plans will vary in price, depending on where you purchase your plan and the type of coverage you choose. Many travel insurance providers include a free travel insurance quote in their online booking engine. Additionally, many providers automatically add travel insurance to your booking if you don’t opt out of the coverage. You also have the option to purchase policy riders, such as extreme sports riders or COVID-19 coverage, if they aren’t already included in your policy. In either case, you should always read the terms and conditions of the travel insurance plan to make sure it’s right for your trip. Don’t forget to check if your existing travel insurance policy covers your upcoming trip. If it doesn’t and you don’t purchase a new travel insurance plan, you may be missing out on valuable coverage.
What are the best travel insurance plans for adventurers?
Adventurers will likely want to find travel insurance that covers them for common travel-related accidents, such as lost baggage or medical expenses. The best travel insurance plans will also cover you in the event of trip cancellation or travel delay due to inclement weather. A good travel insurance plan will be comprehensive and provide coverage for the unexpected. You might also consider travel insurance that offers coverage for trip interruption due to pregnancy or the death of a family member. The best travel insurance plans for adventurers will have a high coverage limit for medical expenses and lost or stolen luggage. A reputable travel insurance provider will also have 24/7 customer service available and a no-hassle claim policy. With the right plan, your trip won’t have to be cut short because of unexpected expenses. Here are some details about the 5 best travel insurance plans for adventurers like you:
- Passport Card
PassportCard has a number of policies with a variety of ad-ons so that you are covered regardless of the type of your adventure. From a weekend extreme sports filled getaway to a longer digital nomad extended work trip stay, the several levels of coverage all have one thing in common, no out of pocket expense for health coverage.
World Nomads is already a well-established travel insurance that will surely give you the bang for your buck. Recommended by Lonely Planet, their coverage is guaranteed with 24/7 emergency service in several languages. The safest choice for adventure seekers is the Explorer Plan, where you can get at least $100,000 coverage for over 150 activities.
Among all the travel insurances on this list, SafetyWing is the newest of the bunch. However, they provide a comprehensive list of extreme sports and activities they cover. And more importantly, they also included what is excluded from their coverage, so you know exactly what you’re paying for. Their Nomad Insurance already included COVID-19 coverage, as well as trip delays and cancellations, and even lost luggage.
- Seven Corners
Like IMG Global, Seven Corners offers a travel medical plan with an optional sports rider. Activities covered only included non-regulated, non-contact sports, which were done for leisure or entertainment purposes only. Coverage already included treatment for possible contraction of COVID-19. Moreover, their medical plans already cover trip cancellations and lost luggage, so wouldn’t need any additional costs.
The Patriot Platinum Travel Medical Insurance along with the Adventure Sports Rider and Trip Cancellation, Interruption, and Travel Delay Rider, this offers maximum coverage available for short-term trips for international travelers. Adventure activities such as bungee jumping, zip lining, and skydiving are covered to lifetime maximum amounts for travelers up to 65 years old. This also included COVID-19 coverage, telehealth consultations, and emergency room visits worldwide. With the most comprehensive coverage, this is probably the best travel insurance you can get for all your adventures.
No matter which travel insurance or medical plan you choose, you should always stay safe and ready by obtaining a plan within your budget, depending on your itinerary. If you are a thrill seeker, then you should obtain a plan that covers more extreme sports and activities like kayaking or even skydiving. But if you’re more of a leisure traveler, make sure to stay healthy and safe by giving yourself access to the best healthcare possible even outside of your home country, especially while the world is still amid the COVID-19 pandemic.