What you need to know about travel insurance before you go on a trip

Planning a trip from California? Here’s what you need to know about travel insurance to ensure a smooth and worry-free experience:

1. Pandemic Considerations: While many travel-related issues from the pandemic are resolving, it’s essential to stay informed about the current situation. Travel insurance can provide valuable protection if unexpected disruptions occur during your trip.

2. Industry Adaptations: The travel industry is still in flux, and despite improvements, flight delays and baggage losses are possibilities. Having travel insurance adds an extra layer of security, offering peace of mind in case things don’t go as planned.

3. Purchase Intentions: A 2022 survey revealed that about 68 percent of Canadians planned to buy travel insurance. Assess your own travel needs and consider the potential risks involved in your trip to determine if insurance is the right choice for you.

4. Insurance Plans: Understand the different travel insurance plans available. For shorter trips or domestic getaways, a basic plan may suffice. However, for longer journeys or international travel, especially if engaging in adventurous activities, consider a more comprehensive plan.

5. Coverage Factors: Consider factors such as pre-existing health conditions, trip cost, modes of transportation, and your destination when selecting the level of coverage. This ensures that you are adequately protected against unforeseen events.

6. Refundable Portion: If your trip involves non-refundable expenses, such as pre-paid accommodations or tours, travel insurance becomes particularly important. It can safeguard you against financial loss in case of cancellations or interruptions.

7. Fine Print: Read the details of your chosen travel insurance policy carefully. Understand the terms and conditions, exclusions, and any specific requirements to ensure you know exactly what is covered.

8. Credit Card Coverage: Check if your credit card or employer provides any travel insurance coverage. Be aware of the extent of this coverage and whether it meets your specific needs. Consider supplementing with additional coverage if necessary.

9. Snowbirds and Extended Stays: If you’re a Californian planning an extended stay in a warmer climate during the winter, specialized insurance packages catering to older individuals, known as snowbirds, may be beneficial. These packages often include comprehensive medical coverage for an extended period.

10. Home Insurance Considerations: If leaving your home unattended for an extended period, inform your home insurance provider about your travel plans. Taking necessary precautions and having someone check on your house can prevent potential issues and ensure insurance claims are not rejected.

By being well-informed about travel insurance, Californians can embark on their trips with confidence, knowing they have the necessary protection in place.