What travel insurance coverage should you get?

Before looking into travel insurance, think about the reasons you might cancel. Is a trip delay due to weather going to dramatically change your vacation? Is it possible your school year will be extended, or you will need to take a work-related trip instead? Are there acts of war in the country you’re going to visit? Are you nervous about the CDC issuing a travel warning for your vacation destination?

These are all valid reasons for cancelling a trip or wanting insurance coverage. But not all travel insurance covers these concerns.

Cancel for any reason insurance

When you buy this coverage, if you want to cancel because you have a hangnail, go ahead. The insurance company usually doesn’t need a reason. They just need you to cancel within the specified time frame, typically at least 48 to 72 hours before you depart.

You’ll trade convenience for a lower reimbursement level. With cancel for any reason insurance, you’ll get a percentage of your pre-paid, non-refundable trip costs back, around 70%, without having to give a reason. You can sometimes purchase this as a standalone policy or as a rider on a comprehensive policy.

Comprehensive travel insurance

This is the typical policy that people imagine when they think of trip insurance. The comprehensive policy usually covers delays, cancellation due to sickness or death, lost luggage and some emergency medical costs. Just read the fine print so you know exactly what it covers.

Changing your travel insurance coverage

If you decide shortly after you purchase the policy that it doesn’t meet your needs, you can get a full refund (perhaps minus a small administrative fee) within a specified time period. This gives you time to fully read the coverage and make sure it provides what you want. Usually that time frame for 10 to 15 days. When possible, it’s best to understand exactly what the policy covers and how claims work ahead of time, in case you need to file a claim.

When booking a pricey trip, investigate insurance at the same time. Some policies require you buy travel insurance within a certain amount of time after making your initial trip payment, such as within 10 to 30 days. With Affordable Travel Insurance from Schengen Visa Itinerary you can purchase up to the day before you leave. Ideally, of course, it’s better to buy travel insurance well in advance of your trip so you can plan adequately. Going on a trip should be an exciting experience. While cancellation and other problems cause stress, you can take the financial worry out of it by getting your trip insured.

If you need support with an upcoming trip to the Schengen Area, please Contact us today. We also offer Flight Reservation and Hotel Reservation to complete your visa requirements.