Travel Insurance With Covid Cover – Every traveler in the world understands the importance of travel insurance while traveling. Frequent travelers have a good understanding of their travel insurance, but new people might not know about the complete features of their travel insurance.
Before the era of COVID-19, everyone could travel the whole world using just small travel insurance, but now things have changed in the insurance industry just like the whole world.
Now, travelers have to buy travel insurance with COVID cover as most countries require you to have health insurance with COVID cover before you enter their country. You never know when COVID can hit you, and you need to carry insurance that can cover your expenses.
Benefits of travel insurance with COVID cover
Before we talk about what are the top five travel insurance with COVID cover, let’s first discuss the benefits of travel insurance with COVID cover. These benefits will help you understand more regarding the whole travel insurance and COVID.
Trip cancellation benefits
The first and most important benefit of travel insurance with COVID cover is the trip cancellation benefit. Even though many travel insurance provides trip cancellation refunds but they are exclusive benefits in premium plans.
But travel insurance with COVID cover will also include trip cancellation and a refund even at the lower levels of premium. The maximum limit of every refund may vary according to the premium and other things.
In case you get diagnosed with COVID-19, and you require emergency medical care, your travel insurance with COVID cover will also cover most of the expenses of this diagnosis and medical care.
Regular travel insurance does not come with emergency medical care due to COVID-19. Those travel insurance mostly covers any harm caused during the trip, such as an accident or death.
Nowadays, the airline crew has the right to deny your entry on board in case you are developing symptoms similar to COVID-19. Any delay in your travel caused by COVID-19 will be covered in the similar travel insurance with COVID cover. You are eligible to receive certain refunds or new tickets.
Average charges of travel insurance with COVID cover
As you are already aware, travel insurance with the COVID cover is going to be completely dynamic, and insurance providers are going to charge differently depending on several things.
Many things can increase or decrease the premium of your travel insurance with COVID cover.
- Your age.
- Time of traveling
- Total trip cost
- The first deposit.
For example, a person who is 48 years old can not compare its premium with that person who is just 28 years old. The chances of serious COVID infection are higher for a 48-year-old person as compared to someone in their 20s. There is no doubt a travel insurance provider is going to cost a little bit more premium.
For example, if you are 28 years old, traveling seven days from the United States to the United Kingdom and your overall trip costs 3500, then you might have to pay somewhere between $45 to $200 for travel insurance with COVID cover.
If you compare a $45 travel insurance with $200, then you will see the difference in medical evacuation and emergency medical assistance cover. By paying a small premium of $200, you can claim up to 1,000,000 in medical evacuation and 500,000 in emergency medical care.
On the other hand, a $45 premium might not provide anything but a complete refund of $3500 if you are not able to travel due to COVID-19.
Top five travel insurance with COVID cover
Before we wrap this session, let’s take a look at the top five travel insurance providers with COVID cover. We have selected these travel insurance providers based on the average charges of medical care in countries like Europe, Australia, New Zealand, and Canada.
Travel safe is among the most popular platforms to get travel insurance with COVID cover. Travel safe classic is going to charge around the highest premium in the market, but you will get a good $1,000,000 cover for medical evacuation and repatriation. At the same time, you can also ask for a 100% refund in case of travel trip cancellation.
We always suggest everyone buy seven corners round trip basic travel insurance with the COVID government if they are traveling abroad. Compared to all the companies, the premium of seven corners round trip basic is going to be in the middle, but you can easily get quarter-million medical evacuation insurance and a 100% refund on trip cancellation.
Go ready insurance
If you want to save a few bucks, then you can go with go-ready choice insurance would COVID covers. Usually, they provide the cheapest travel insurance plan with COVID cover in the market, and the premiums are not going to be more than 1.5% of your overall trip expenses.
HTH Travel insurance
HTH Travel insurance With its trip protector preferred plan, it Is the best and full of features travel insurance with COVID available in the market. It is going to cost around 5% of your overall trip expenses, but you will be eligible to receive a 100% refund in case of trip cancellation and 200% in case of trip interruption. At the same time, you are also eligible to get more than $1,000,000 cover for medical evacuation and a half-million-dollar cover for emergency medical assistance.
Last but not least, our favorite Trawick International Provides the best travel insurance with COVID covered in the United States. The premium is not going to be more than 3% of your overall trip expenses, but you will get all the benefits, such as $1,000,000 cover in terms of medical evacuation and a quarter million cover when needed medical assistance. At the same time, you are also eligible for a 100% refund in case of trip cancellation and a 150% refund in case of trip interruption.
Don’t my regular travel insurance cover COVID?
No, regular insurance or insurance bought before 2019 does not come with COVID cover as it was not a problem in the world before November 2019. COVID was first detected back in November 2019 in Wuhan, China, and within just a few months, it spread to the whole world, including the United States. Many health insurance providers are adding COVID cover in the new sign-up and renewal, but it is not part of every insurance in the world.