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. What is travel insurance:

Travel insurance is a plan and coverage designed to protect against risks and financial losses that may occur while traveling such as a delayed baggage, last minute flight cancellation, medical emergency, lost airline connections and baggage delay.



. What does travel insurance cover and what doesn’t?

Some things are not covered by travel insurance. If you have a pre-existing condition, find a plan that provides a waiver of a pre-existing condition. If you are visiting an area with political unrest, check the coverage the policy provides if you want to cancel due to problems in the area. Travel insurance policies cover some defaults by tour operators due to financial problems. See how to handle this before you book your flight. If you are late for your flight and you miss your plane, your travel insurance does not cover this mistake, so pay close attention to your flight date and pay attention to what travel insurance covers.

Depending on the coverage you choose, travel insurance can cover a wide range of potential damages and losses including:



1. Exposure to injury or disease:

Travel insurance helps protect you from medical expenses abroad that are not covered by your regular health insurance but most health insurance plans do not provide full coverage in foreign countries and some health plans do not provide any coverage at all including Medicare. Travel insurance works in addition to your daily health insurance and can help supplement medical costs if you fall ill or sustain an injury before or during your vacation.


2. If your baggage is lost:

Travel insurance can help you cover expenses resulting from lost or stolen baggage and this is especially useful if the airline loses your bags as it can be very difficult to pay for lost baggage. In the United States, the Department of Transportation (DOT) requires airlines to reimburse flyers of up to 3,300$ for lost baggage and in foreign countries this amount is equal to a maximum of 1,750$, but for these maximum amounts, passengers must provide receipts proving the value and contents of lost bags and request Some airlines file the claim within 21 days.


3. Last minute cancellation:

Travel insurance can help cover costs arising from trip cancellations. Most resorts or cruise lines will not give you a full refund in the event of a cancellation. If you cancel two weeks or more before your trip, most resorts will charge at least a cancellation fee; Many cruise lines may only give you a 25% refund or give you partial credit on another cruise. If you cancel within two weeks of the trip, with most companies you won’t be able to get any money back at all. Unexpected circumstances happen, and you want to be covered just in case.


4. Coverage beyond your credit card:

Some credit cards offer limited coverage with annual cancellation and interruption limits and restrictions (if they offer cancellation/interruption coverage at all). Few credit cards offer coverage for the most expensive travel risks: medical expenses or an emergency evacuation that travel insurance can cover.


5. If you lose your official papers:

When it comes to losing important documents such as a passport or other travel documents international insurance policies cover this but domestic travel insurance policies do not cover this because when citizens are traveling within their home country replacing lost documents is fairly simple compared to doing the same when abroad Therefore, repatriation is also covered by international travel insurance.


6. If you are involved in an air flight accident:

Knowing that air accidents are rare, but if you have an accident during your flight and suffer a loss of life, a limb or sight, this coverage provides payment. Be aware that this cover is not available for losses due to illness or service in the armed forces of any country.


7. Car rental damages:

Car rental damage coverage provides coverage if your rental car is damaged from collision, theft, vandalism, natural disaster or any other cause beyond your control. .

Note: Trucks, trailers, motorcycles, and other vehicles are not eligible for coverage, so rent cars that qualify for coverage.

What if your rental car is damaged?

Try to do your best to protect the car from further damages and report the accident to the car rental company and the local authorities as soon as possible and don’t forget to make sure you get all the information like insurance information and driver’s license numbers from any other party involved in the accident. (Send your information and other important documents, including the car rental agreement with your claim)

Note: This coverage is not available to Texas residents.


8. Extended Coverage:

All travel insurance coverages will be extended if your entire trip is covered by the plan and your return is delayed due to unavoidable circumstances beyond your control. If coverage is extended, coverage will end either on the date you arrive at your originally scheduled return destination or seven days after your scheduled return date, whichever comes first.



. How it works?

The process of submitting a travel insurance claim is similar to insurance for a car or home. For example, if you have a car accident or a water leak in your bathroom, you can file an insurance claim by intervention as well as travel insurance. If something happens during your trip and you need to use your travel insurance you will need to make a claim for compensation eg suppose your baggage is delayed and you need to buy clothes and toiletries You can claim for compensation travel insurance will be very useful in such cases. When you are ready to purchase an insurance plan, you can buy it directly from an online travel insurance company. Often times, travel insurance is offered when purchasing a cruise, airline ticket, or booking a vacation rental.




. How do you choose travel insurance?

1. First Step: Determine your requirements This will ensure that you will not pay for something you do not need and you must determine this based on two main factors: the destination of your trip and the nature of your trip, for example: If you are visiting the United States, Canada or many other destinations, you need to purchase a policy It provides comprehensive medical insurance for travel because the costs of medical treatment are very high in many destinations, so if the destination of your trip is to a destination where there is war, you need travel insurance and also if the nature of your trip is an adventure, you need travel insurance because as we mentioned the costs of medical treatment are very high in Most destinations (such as the United States, Canada, Sweden, Norway, and many European countries) so I recommend that you have comprehensive travel insurance in all destinations.


2. Second Step: Understand the pre-set limits of coverage because most people mistakenly believe that the amount of the insurance is the only limiting factor for claiming settlements. For example, if the sum insured is $67, the default baggage cover can be up to 14$. If you Carrying much more baggage value, you will need to choose a larger baggage cover. Generally, the travel policy covers your pre-existing medical conditions.


3. Third Step: Determine the purpose of your trip. If you are planning an adventurous trip that includes outdoor sports such as bungee jumping, skiing or skydiving, it is important that you benefit from coverage of these activities because adventure sports are not covered in the regular travel plan due to the high risk factor associated with them, so you will need to Benefit from coverage against such activities as an addition to your basic travel plan.


4. Fourth Step: achieve the right balance between the insurance premium and coverage, meaning not to make one dominate over the other, but rather make them balance the scale in a balanced way. Follow these steps and you will be able to choose the travel insurance that best suits you.



. The best international travel companies:

1. Travelex:


is a well-known travel insurance company based in Omaha, Nebraska founded in 1996 that offers Travelex (not to be confused with foreign exchange shops) as well as various insurance packages depending on the coverage required for your trip and the insurance policies are insured by Berkshire Hathaway Specialty Insurance rated A++ by AM Best and AA+ by Standard & Poor’s. Coverage is available to customers all over the world. The Travel Select plan starts at $28 and includes this trip cancellation and trip interruption feature as well as medical emergencies and evacuations, but there are also several ways to customize and upgrade coverage.
Travel is covered up to 100% of the $25,000 for cancellation and you can get up to 150% off the up to $37,500 for a trip interruption. Emergency medical limits are $50,000 and emergency evacuation coverage is up to $500,000. In addition, Travel Select has a 15-day pre-existing condition waiver. If you purchase your policy within 15 days of paying for your trip and insure the full cost of the trip, your pre-existing injury or illness will likely be covered.

. Travelex Pros:

1. Children under the age of 21 are covered at no additional cost.

2. It has multiple plan options with customizable features.

3. It has competitive pricing for comprehensive coverage.

. Travelex Cons:

1. Covers pre-existing mixed status depending on the policy purchase date.

2. No annual plan available.

3. The basic coverage plan has a minimum coverage.



2. Allianz:


It dates back to 1890 in Germany where travel policies are insured by insurance companies with AM Best ratings from A to A+ and are only available to legal residents of the United States. Travelers who want to cross the road several times a year should consider annual travel insurance rather than individual policies for each trip. Allianz Travel offers four different annual plans with different benefit levels. AllTrips Executive offers tiered limits starting at $5,000 for trip cancellation or interruption coverage and they also offer $50,000 for medical emergencies and $250,000 for emergency transportation. There is a long list of exceptions including extreme sports so be sure to read the fine details before jumping into adventurous activities.

. Allianz Pros:

1. Annual or single trip plans are available.

2. It suits many types of policies with diverse needs.

3. It covers you and your family all year round even if you are not traveling together.

. Allianz Cons:

1. Long periods of travel are not covered

2. Some annual plans have per-flight limits while others have annual limits

3. Not the highest limit for emergency medical transportation coverage ($250,000)



3. InsureMyTrip:


Founded in 2000, InsureMyTrip is a travel insurance comparison website that searches from more than 20 insurance companies using a single checkout form. The highlight of this company is its search interface that allows users to find the best plan for their situation. For example if you are looking for a plan with the highest level of baggage protection you can choose to display the coverage limit of each baggage loss plan for comparison. The insurance companies that you will find while using InsureMyTrip have obtained a variety of industry ratings and are generally considered to be reputable and financially stable but nevertheless read the policy details before hitting the buy button just in case. Each primary insurance company has a different claims process, exclusions, and limits than any other. The highlight of InsureMyTrip is the convenience of being an informed purchaser of travel insurance.

. Pros of InsureMyTrip:
1. Compare quotes from over 20 major insurance companies.

2. Insurance representatives are available to answer questions.

3. rated A+ by the Better Business Bureau.

. Cons of InsureMyTrip:
1. Initial listing pages do not display policy limits.
2. Includes some policies with lower coverage limits.

3. Trip protection and medical plans are only available to residents of the United States and Canada.



4. World Nomads:


World Nomads is a good insurance company for those looking for adventure and World Nomads covers more than 200 adventure activities including bungee jumping, diving, camel riding, motorcycling, skydiving and snowboarding. World Nomads offers a 24-hour multilingual help team and their website contains several travel blogs and podcasts with valuable information from customer experiences around the world The company also offers comprehensive coverage benefits beyond standard options including photography or video coverage Or sports equipment. Plans also include coverage for trip cancellation, assault, death abroad, stolen passports or credit cards, and customers can purchase additional coverage for activities not initially planned while traveling.

. World Nomad Pros:

1. Extensive coverage with high limits for medical and emergency evacuation.

2. Protects your bags, computers and sports equipment when traveling.

3. The Explorer’s plan covers adventure sports.

. World Nomads Cons:

1. There is no cancellation option for any reason.
2. Coverage varies by country, state and province.

3. Only one trip plans are available.



5. NationWide:


Nationwide has been around since 1925 and has a range of travel insurance coverage for singles, annual plans, and cruises however it’s their tailored cruise plans that make them stand out. Nationwide cruise insurance covers crippled ships, itinerary changes that could result in missed trips, trips, or other costs, emergency medical expenses up to 75,000$ and medical evacuation benefits up to 250,000$. The luxury cruise plan also covers CDC warnings at your destination. In addition, all plans include coverage of weather, extension of school courses, work emergencies and terrorism.

To protect your individual trips, Nationwide offers you a trip cancellation of up to 10,000$ in its Essentials plan and 30,000$ in its Master plan. Travelers may also get an annual travel insurance package for just 59$ a year to cover delays, medical expenses, medical evacuation, lost baggage, and assistance. in travel. Its tailor-made plans for cruises are what pushed it into this category and made it stand out in this way.

. Nationwide Pros:

1. Cancel for any reason the coverage available for selected cruise and travel plans.

2. A big reputable insurance company.

3. Coverage for common cruise issues such as missed calls and itinerary changes.

Nationwide Cons:

1. Low coverage levels for some accidents on basic plans.

2 .Low benefit limits for trip interruption for any reason.

3. Pre-existing conditions may not be covered.


6. Arch RoamRight Travel Insurance:


Arch RoamRight Travel Insurance offers different plans with a variety of price combinations and coverage including Annual Multi Trip Insurance which is an annual plan with coverage for unlimited number of trips in one year and is ideal for frequent travelers looking for coverage without the hassle of signing up for insurance before every trip i.e. Frequently traveling and even if you are not interested in flight cancellation coverage, you can choose a plan with emergency and evacuation medical coverage only. Arch RoamRight also offers a standalone rental car insurance plan if you don’t need to cancel trip or medical coverage. The insurance company uses the latest technology including an online claims option, a mobile app complete with travel alerts, 24/7 assistance, translation of more than 150 medical terms in seven languages, and information on local drug equivalents.

. Company Pros:

1. Unlimited trips with the annual multi-trip insurance plan.

2. 24 hour emergency travel assistance.

3. Mobile Alerts While Traveling.

. Company Cons:

1.Only available to US citizens and permanent residents.

2. Medical information is required to determine if a condition is involved.


7. AIG Travel Guard:


AIG has the most flexibility and highest limits among all travel insurance companies that offer coverage for cancellation for any reason. Many travel insurance companies have a flat payout of 75% and a maximum indemnity in dollars of 75,000$ while AIG allows either 50% or 75% and has a very generous interest level of up to 112,500$ AIG also offers four plans to consumers based on their needs and itineraries. The company’s basic plan is not available directly through AIG Travel but must be purchased through marketplaces and its travel insurance plans include Travel Medical Assistance, Worldwide Travel Assistance, LiveTravel® Emergency Assistance and Personal Security Assistance.

. Company Pros:

1. Maximum Maturity Level High 112,500$.

2. The emergency travel assistance hotline is available 24 hours a day.

. Company Cons:

Information about the inclusions of policy coverage is not readily available.


8. GeoBlue:


GeoBlue is part of Global Insurance Services. The policies come with a license from the Blue Cross Blue Shield Association. The policies are issued by 4 Ever Life International Limited, a company with over 60 years history and an A (Excellent) rating from AM Best. If you need coverage for medical needs Only GeoBlue is a good choice. Since you mostly get travel medical coverage so you’ll pay much less than most of the other insurance companies on this list. Just make sure you fully understand what’s covered and what’s not and you’ll only get minimal baggage protection and travel interruption coverage with GeoBlue plans. This company has two general plans for single trips, multiple trips and long-term travel in addition to five specialized policies to meet the needs of medical insurance for travel such as studying abroad.

Company Pros:

Cover for medical needs when traveling.

Company Cons:

No coverage for adventure sports.



9. Generali Global Assistance


Generali Global Assistance was named the Best Emergency Support Services company because it offers a 24-hour emergency hotline and a worldwide network of physicians via phone or video. Customers also get access to identity theft solution support and concierge services that can help with Meet needs such as transporting pets. The company offers three travel insurance plan options: Standard, Preferred, and Premium. Each plan includes coverage for trip cancellation, trip interruption, baggage loss, medical and dental coverage with different limits.



10. Seven Corners:


Seven Corners features individual policies as well as group travel insurance plans for groups of 10 or more travelers and includes all premium plans such as emergency medical evacuation and 24/7 multilingual travel assistance services for emergencies and other travel difficulties. The Travel Plus Group plan covers travelers up to age 76 and certain pre-existing terms for US residents and non-US residents. The Student Plus Group policy also features medical coverage designed for student and faculty travellers.

Company Pros:

1. Add coverage for cancellation for any reason or trip interruption for any reason to cover round trip plans
2. Coverage is available for 10 groups or more

Company Cons:

1. Certain destinations are excluded from coverage
2. Residents of some US states are exempt from coverage


All you have to do is to do a detailed research about these companies to know which insurance company suits you and suits your travel and how you travel, so before deciding which travel insurance company is most suitable for you, do your research to learn which of these companies will suit your travels. I hope the article was useful and you benefited from it.



Translated By: Nasser Al Turk

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