Comprehensive Travel Insurance After Covid-19
With restrictions starting to ease a little, the idea of a foreign holiday doesn’t seem as far-fetched as it did twelve months ago, even if the rest of Europe is experiencing a third wave. Still, the corridor between the UK and Ireland is open, so that’s a bonus for either side.
Of course, you need travel insurance more than ever after a global pandemic, but the industry has changed considerably since the beginning of March 2020. To make sure you don’t get caught out, you must understand what extensive coverage looks like so that you can include the essential add-ons. Here’s what you need to know.
Travel Insurance After Covid-19
Let’s get the elephant in the room out of the way first. No, Covid-19-related issues aren’t generally covered. For the most part, insurance companies decided to class the pandemic as a known entity, which means it isn’t covered by basic policies. That includes everything from repatriation if you’re turned away at the border to cancellations and postponements. You’re going to need all of these extras added to your plan if you want peace of mind when heading to the airport. Otherwise, your holiday could be more stressful than you ever imagined!
Comprehensive Travel Insurance After Covid-19 = Mix & Match
Including every small detail within your coverage won’t be possible due to the money factor. Unless you have a bottomless budget, the add-ons will cost more than your flights and accommodation. However, this doesn’t mean you should avoid trips altogether. Instead, you should mix and match the policies that you believe are the most suitable. For instance, cancellation cover is a must since there are no guarantees that your flight will take-off. Overseas days are also smart as they’ll protect you for up to three months or more. A winter sports feature, on the other hand, is an indulgence unless you’re going on a ski holiday.
Comprehensive Travel Insurance After Covid-19 = Legal Cover
Most people leave home without adding legal cover to their plan. It’s risky even outside of a pandemic because anything can happen that requires legal action. The last thing you want to do is pay with your own money, which is why legal coverage is essential. Whether you get access to compassionate personal injury attorneys or representation from the embassy, knowing that an expert is by your side can instill a sense of security. And, it’s not as if things don’t go awry on holiday. From theft to criminal damage and trips and falls, the worst-case scenario isn’t uncommon.
Comprehensive Travel Insurance After Covid-19 = Excess Amounts
All of the above could have different excess amounts, depending on your insurer. Just because you fancy an overseas holiday doesn’t mean you should fork out a small fortune in case anything goes wrong. You can negotiate the amount of excess you will pay, so it’s worth speaking to an advisor over the phone. If they won’t budge, don’t be afraid to search elsewhere to see what their competitors can do. In an era when insurance companies have suffered massive losses, there should be a few bargains knocking about.
Extensive coverage should be whatever you deem important. Therefore, it’s imperative to tailor your policy to your requirements.
Photos by Dublin based Photographer Cathal Mac an Bheatha – CCO Licence