Tag Archives: trip insurance

Wendy's son, Charlie via ferrata at Whistler, British Columbia

Travel Insurance and Emergency Assistance: How to Protect Yourself

If you don’t start thinking about travel insurance until you need it, chances are it’s already too late. For example, did you know that many benefits only kick in if you purchase your plan soon after paying the first deposit for a trip?

For our WOW Week 2024 Travel Talk on February 8, we brought in experts to discuss how to prepare for travel curveballs, from surprise injuries to natural disasters to political unrest, and how to minimize your risk, both financial and medical. Joining us were Stan Sandberg, co-founder of travel-insurance comparison site TravelInsurance.com, and Sheri Howell, from air-medical-transport and crisis-response provider Medjet. Check out all we learned from Stan and Sheri in the video below.

4 top takeaways

Some plans are more generous than others about covering pre-existing medical conditions. Most insurance policies will not cover pre-existing conditions unless you purchase them within a week or two of your first trip payment. However, a few plans have now extended this window to up to 24 hours after your final trip payment. You can filter for such policies when you do a search on travelinsurance.com.

Annual travel-insurance policies are on the rise. Historically these policies have only covered medical expenses, but some now also provide trip cancellation and interruption protection. Those benefits typically only cover $5,000 or so; if your nonrefundable trip costs are higher than that, you’ll get more complete coverage by purchasing individual policies for each trip.

Tread carefully on the gangways. River cruises are a surprisingly common source of travel accidents. Sheri explained that the vessels’ gangways are smaller and less sturdy than on ocean-going ships; the wake from a passing boat has been known to sweep travelers off their feet—and straight into the hospital.

A Medjet membership protects kids studying abroad. Family memberships cover two adults, plus up to five children until age 19, or until age 23 if they are full-time students. Members are  covered anytime they are at least 150 miles away from home, even when not traveling together.

Links to Useful Resources

How to Buy Travel Insurance: What It Covers, When You Need It

What Medical Evacuation Coverage Do You Need?

“Cancel For Any Reason” CFAR Travel Insurance: What It Is and How It Works

 

Be a smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. Read real travelers’ reviews, then use the black CONTACT buttons on Wendy’s WOW List to reach out to the right local fixer for your trip.

Red closed sign with " Gping out of business " written on it.

How to Protect Yourself in Case a Travel Company You Pay Goes Out of Business

This article was first published in 2020 during the pandemic and is continually updated as travel-insurance and credit-card policies and practices change.

Travel planning these days often requires that you make a large, non-refundable, advance payment. Here’s how to protect your investment:

Does travel insurance protect me if a travel company ceases operations?

Some comprehensive travel insurance policies will reimburse you for trip cancellation or interruption due to bankruptcy or financial default of your travel supplier: an airline, cruise line, or tour operator, for example. Many such policies will not cover you, however, if the company you used to book your trip—a travel agency or other intermediary—goes out of business. This is one area where policies differ widely, so to confirm that your financial investment is protected, speak with a representative of the insurance provider whose policy you plan to purchase and explain your specific situation.

When do I need to purchase this insurance?

Within a couple of weeks after putting down your deposit toward a trip. One reason why is that coverage for financial default may be activated only if you buy insurance within 10 to 21 days (depending on the policy) after making your initial trip payment. You also usually can’t file a claim for cancellation due to financial default until 10 to 14 days after you’ve purchased the policy. Note that you may not be covered if your trip is years out: Some policies limit financial-default claims to trips taken within 12 or 15 months of purchasing your insurance.

Will the policy offered by my cruise line protect me if the cruise line goes out of business?

No. Some travel companies—cruise lines, tour operators, and such—sell their own insurance or “protection” policies. The premiums may seem attractive, but you will not be covered if that company financially defaults. Instead, you need the protection of third-party insurance—meaning, a policy written by someone other than the travel company that is operating your trip.

Am I protected if I pay by credit card?

If you don’t receive an item or service that you paid for by credit card, you can dispute that particular charge. But what if your airline goes under the day before your trip and you can’t find another way to get to your destination, so you’re out the $5,000 you spent on nonrefundable hotel reservations? In that case, your credit card provider will credit you the cost of the flights, but it won’t help with the hotel stays (because the hotels are still operating). A travel insurance policy with a financial-default clause, however, will cover all of your losses because you were forced to cancel your entire trip.

What other protection is available?

The broadest possible protection may come via “Cancel for Any Reason” insurance coverage. If you have concerns about the financial stability of a company you are planning to travel with, this insurance upgrade could allow you to back out of your trip and be reimbursed for 50-75% of your nonrefundable trip costs.

For more guidance on the right insurance for your particular needs, read How to Buy Travel Insurance: What It Covers, When You Need It.

 

Be a smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. Read real travelers’ reviews, then use the black CONTACT buttons on Wendy’s WOW List to reach out to the right local fixer for your trip.

 

Protect Your Trip—and Your Health—in 2023

Baffled by travel insurance and evacuation assistance? You’re not alone. So for our WOW Week 2023 Travel Talk on January 25th, we brought in experts to demystify these seemingly complicated topics, and to help you understand how you can (and can’t) protect your health and your financial investment. Joining us were Sheri Howell, from air-medical-transport and crisis-response provider Medjet, and Stan Sandberg, co-founder of travel-insurance comparison site TravelInsurance.com.

3 top takeaways

  • Buy insurance as soon as you’ve committed to a trip. To get the full benefits of a comprehensive insurance policy—including, in many cases, coverage for any pre-existing medical conditions—you must buy it soon after you’ve made your first trip payment. Don’t wait until your trip is just around the corner to start shopping for insurance.
  • Insurance just gets you to the nearest adequate medical facility. The medevac coverage in your insurance policy is crucial for getting you to a hospital in an emergency. But only a membership-based medical-transport program will then bring you to your hospital of choice back home.
  • Covid is now treated like any other illness. Unlike at the start of the pandemic, Covid is now covered by most insurance policies: You will be reimbursed if you have to cancel your trip because you test positive before you leave, and your medical bills will be paid if you need treatment abroad.

Links to Useful Resources

How to Buy Travel Insurance: What It Covers, When You Need It

What Medical Evacuation Coverage Do You Need?

“Cancel For Any Reason” CFAR Travel Insurance: What It Is and How It Works

 

Be a smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. Read real travelers’ reviews, then use the black CONTACT buttons on Wendy’s WOW List to reach out to the right local fixer for your trip.

How to Protect Yourself and Have Peace of Mind When You Travel

It may feel like the pandemic is over, but if you are planning a trip, there are specific things you need to do in order to protect yourself. In this talk, experts from the fields of health, travel insurance, and emergency assistance tell you how to prepare.

The WendyPerrin.com team was joined by experts on Covid medicine, travel insurance, and travel emergency assistance:

  • Dr. Timothy Triche, Professor of Pathology at the University of Southern California’s Keck School of Medicine
  • Stan Sandberg, Co-Founder of travel-insurance comparison site TravelInsurance.com
  • Sheri Howell, Vice President of air-medical-transport and crisis-response provider Medjet

 

(6:40) What travel insurance covers and does not cover during this stage of the pandemic

Stan Sandberg of Travelinsurance.com explains what travel insurance covers these days (Covid and otherwise), plus the ins and outs of successfully protecting your investment.

(23:14) The health tools we have for managing Covid concerns when we travel

Dr. Timothy Triche, Professor of Pathology at the University of Southern California’s Keck School of Medicine, lays out the tools we have to combat Covid when we travel, including why you still want to wear a mask on planes—and which type of mask.

(39:29) Getting yourself home if you run into trouble during a trip

Sheri Howell of Medjet—the membership program that provides global air medical transport, travel security, and crisis response—talks about how and when travelers who are stuck abroad can get home, how Medjet handles members who contract Covid, and how Medjet responds to a security threat or other crisis.

(52:20) Wendy and the experts take questions from the audience

The panelists field questions including how to get medical treatment overseas, whether it’s possible to obtain antivirals ahead of travel, the ideal timing for buying insurance before a trip, and whether Medjet has any age or geographic exclusions.

Read more

 

5 Testing Tips for an Easy Return Flight to the U.S.

Getting a Covid Test Abroad is Easy

How to Get a Quick Covid Test for Travel

How to Buy Travel Insurance: What It Covers, When You Need It

What Medical Evacuation Coverage Do You Need?

“Cancel For Any Reason” CFAR Travel Insurance: What It Is and How It Works

Traveler Reviews of Pandemic Trips Arranged by WOW List trip-planning experts

Wendy’s Travel Advice for 2022

New Nonstop Flights To Make Your Travels Easier in 2022

CDC Covid Tracker

Worldometer Coronavirus cases/deaths/recoveries counter

Covariants.org: An overview of Covid variants

 

stock photo of toy airplane on stack of masks and passport with a globe signifying travel during Covid

Your Biggest Covid Travel Questions Answered

I’ve spoken with many of you over the past few weeks as you’ve wrestled with whether to go forward with your winter travel plans and, if so, how to smarten them up, given Covid surges and current global events. Most of you are bound and determined to forge ahead with your trips—to Italy, Egypt, Tahiti, the Galapagos Islands, France, Panama, Iceland, Portugal, Belize, Costa Rica, Colombia, Kenya, Rwanda, the Maldives, Antarctica, and more.  I can understand why.  We’re not back in March of 2020:  There are many more tools now for traveling safely and responsibly. And I’m not just talking about the availability of vaccines, boosters, and N95 masks for the airport and plane. Unlike at the start of this pandemic, we’ve also now got at-home test kits for use pre-trip and before boarding your return flight. There’s now evacuation coverage so that, if your worry is the possibility of testing positive overseas and being quarantined, there’s a way you can avoid that and get home. There are also guardian angels who have proven they can keep travelers away from crowds, privately cocooned, and in the open air as much as possible throughout a trip. The proof?  It’s in your trip reviews. Below find the information you need for safe travel now. —Wendy

Wendy’s Travel Advice for 2022

Wendy’s Travel Advice for 2022: Based on everything we’ve learned throughout the pandemic, if you’re looking for the best travel experiences in 2022, here’s my advice.

Covid Testing

How to Get a Quick Covid Test for TravelWe’ve rounded up several of your best options Covid tests with the last-minute results you need for many destinations: We’ve listed in-person options in select U.S. cities, mail-in test kits that you can do from home (note that some places will not accept results from mail-in tests), and self-administered tests that you can take in a foreign country.

5 Testing Tips for an Easy Return Flight to the U.S.: Air travelers age two and older must still show a negative Covid test when flying back into the U.S. after an international trip. But it doesn’t have to be a hassle. Here’s how to make it easier.

Getting a Covid Test Abroad is EasyDon’t let fear of a required Covid test outside the U.S.—either for a return flight to the U.S. or to cross borders during a multi-country trip—scare you away from overseas travel.

What Happens If I Test Positive on a Trip? We Answer Travelers’ Biggest Concerns About Testing, Quarantine, and InsuranceThe biggest concerns we hear from travelers these days are about how to get tested before and during a trip, what happens if they test positive while overseas, and what quarantine rules will apply there. In this FAQ, we answer all of those questions and more.

Travel Insurance

How to Buy Travel Insurance: What It Covers, When You Need ItTravel insurance can be confusing, especially during Covid. So we’ve created this FAQ that lays out everything from what you can expect it to cover (even now) to when you need it and when you don’t.

“Cancel For Any Reason” CFAR Travel Insurance: What It Is and How It WorksIf you’re concerned about traveling during the time of COVID-19, regular travel insurance won’t help you. CFAR coverage is the only way to be protected.

What Medical Evacuation Coverage Do You Need?In years past, we purchased medical-evacuation coverage in case we broke a leg while hiking in the Alps or had a heart attack on a remote island with no decent hospital. Nowadays, though, the nightmare scenario in our minds as we try to plan travel is the possibility of ending up quarantined—or even hospitalized—with Covid-19 far from home. Here’s what you need to know about how to get flown home, and how to protect yourself from a financial disaster.

Where You Can Go and Entry Requirements

The Countries That Are Open to U.S. Travelers and How to Get InThis is your one-stop resource for all the important details about which countries are opening to U.S. travelers and what their entry requirements are.

Countries With No Covid Entry Requirements: These are the countries where WOW Listers can plan safe, smart trips don’t require any vaccination or pre-trip testing.

Where You Can Travel with No Pre-Trip Test RequiredWe’re also keeping a list of countries that are open to vaccinated travelers—with no testing or quarantine requirements.

Air Travel Tips

New Nonstop Flights To Make Your Travels Easier in 2022Many airlines are planning to launch long-awaited routes next year, and some have already announced new flights that weren’t even on their minds back in 2020. To help you find inspiration, Brett Snyder of Cranky Concierge rounds up the airline routes to keep your eyes on.

When Is the Best Time to Buy Airfare This Year?: Given the rise in fuel prices that’s happening now, given the surge in people who want to travel this summer, and given the no-fly zone over Russia, when should travelers buy their airline tickets for flights this year? We spoke to two air travel experts to get their insights.

When and Where to Use Your Airline Miles This Year: Frequent travelers want to know the best time to start tapping into that stockpile of credit card points and miles they’ve been racking up during the pandemic, plus the destinations and airlines where those awards will stretch the furthest. We’ve got answers.

The Best Credit Cards for Travelers: Whether you’re actually traveling or working your way toward a trip, the right credit card can be a big help in getting you there. We break down which cards are best for travelers in 2022.

Current Travelers’ Experiences

WOW Travel During Covid: The Trip Reviews That Matter Most Right NowFind out what travel is like from real people who’ve just been on trips in the past few weeks. These trip reviews show what it’s really like to travel now in specific places, and how the right destination expert can make it work.

The Trip Planners You’ve Approved

The WOW List: Top Local Fixers in Countries WorldwideThe WOW List is a collection of exceptionally knowledgeable and well-connected trip planners around the world. They have been rigorously road-tested, based on my decades of experience as a travel journalist and based on the most recent trip reviews from travelers who have used my WOW approach to ensure an extraordinary trip. During the pandemic, I have been watching these Trusted Travel Experts like a hawk, closely monitoring our travelers’ pandemic trip reviews and updating The List accordingly.



Be a safer, smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. And read real travelers’ reviews of Wendy’s WOW List and use it to plan your next trip.

Understanding Travel Insurance in the Covid Era: What you need and where to get it


We’ve gotten so many questions about travel insurance during Covid that we devoted one of our WOW Week travel talks to the topic. The WendyPerrin.com team was joined by three experts on travel insurance and evacuation assistance: Stan Sandberg of travelinsurance.com, Meghan Walch of insuremytrip.com, and Sheri Howell of Medjet. Below are the top six takeaways from our talk, and you can watch the full video above.

Many travel insurance plans have added coverage for pandemics.

Before Covid, it was standard for insurance plans to exclude coverage due to an epidemic or pandemic. Now, some plans—but not all of them—are treating Covid like any other medical illness; they will cover trip cancellation or interruption due to Covid, or medical bills if you are diagnosed with it during your trip. To confirm your policy’s particular coverage, read the disclosures or speak with an agent before you purchase.

Standalone medical coverage is cheap.

Most travelers are looking for a “comprehensive” travel insurance policy: one that covers their nonrefundable trip payments plus any medical expenses that arise during travel. If your main concern is covering illness or injury, you can save hundreds of dollars by foregoing coverage for trip cancellation or interruption. (Annual policies generally only provide medical coverage, and are a good option if you take more than four trips per year.)

For insurance that covers preexisting medical conditions or allows you to “cancel for any reason,” act quickly.

These pieces of coverage are time-sensitive, which means that you’re only eligible for them if you purchase your policy within 10 to 21 days (depending on the carrier) of making your first trip deposit. For more details on “cancel for any reason” insurance, see “Cancel For Any Reason” CFAR Travel Insurance: What It Is and How It Works.
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Travel insurance typically covers default of a hotel or other supplier, but not of a travel agency.

Say you put down a deposit for a reservation at a hotel that subsequently goes out of business. Many plans will cover you for financial default of a hotel. However, if your deposit is being held by a travel agency or other intermediary that goes under, your insurance might not reimburse you. To confirm that your financial investment is protected, speak with a representative of the insurance provider whose policy you plan to purchase and explain your specific situation. Click here to read more about travel insurance coverage for financial default.

If travel insurance is the cake, evacuation assistance that gets you back home is the icing.

If you have a medical emergency, most policies will cover your transportation to the nearest acceptable medical facility. If you fall off a horse at a ranch in Argentina, that could mean an ambulance ride to Buenos Aires. If you want to be transported back home, you need additional coverage from a program such as Medjet: Once you are hospitalized, they will transport you back home to the hospital of your choice. See also What Medical Evacuation Coverage Do You Need?

Don’t buy the insurance your airline tries to sell you when you book your flights.

Travel insurance is not one-size-fits-all. Use a comparison site such as travelinsurance.com or insuremytrip.com to search for the most cost-effective policies that best fit your particular needs, with the coverage limits you want.

There was a lot more great info shared by our travel-insurance experts; watch the video above to hear it all. And for a primer on the basics of travel insurance, read this article.