Before choosing travel insurance, you want to do your research thoroughly and identify what coverage you want. Choosing the right travel insurance plan for you will depend on several factors, including your budget, preferred coverage, type of trip, and the adventure level of your trip.
When identifying what’s important to you, two things to consider are trip cancellations and coverage designed to address challenges related to COVID-19. You’ll also want to consider whether you want baggage coverage in the event of a lost or delayed arrival. If you are planning to rent a car, decide whether you want it under your travel insurance or if you want to buy from a rental company. If you’re planning a cruise or backpacking trip, you’ll find that there is insurance tailored for certain types of travel. If you are traveling with expensive work equipment such as cameras or audio equipment, consider getting cover for this. Lastly, there’s a very flexible (but expensive) “cancel for any reason” policy, which covers almost any reason you should cancel as long as you adhere to the terms of purchase and cancellation of your chosen plan.
