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travel insurance for 2022

There is nothing like a worldwide pandemic to get people thinking about the benefits of travel insurance. Sometimes even the best planned trips need to be cancelled or altered due to unexpected events. Travel providers, such as airlines and tour operators, have typically offered minimal if any refunds for last-minute cancellations and losing potentially thousands of dollars of well-earned money on a trip you are not even able to take can be heartbreaking. Travel insurance can reimburse you for nonrefundable trip costs if you need to cancel for a covered reason.

A comprehensive travel insurance plan can give you the peace of mind to schedule that well-deserved vacation in 2022.

Why Consider Travel Insurance For 2022

If you have never purchased travel insurance before, here is why you should consider travel insurance for your 2022 trip.

Travel Insurance Protects You From the Unexpected

Even before the COVID-19 pandemic hit, travel insurance was a smart buy, especially when traveling internationally. Travel insurance protects you when unexpected events occur, and those events are typically compounded when traveling far away from home. 

Although each travel insurance plan is different, you can expect to find plans that cover trip cancellation, trip interruptions and delays, and emergency medical situations. Trip cancellation coverage refunds travelers for non-refundable expenses such as airline tickets, accommodations, and other pre-paid travel activities if you need to cancel your trip in its entirety. 

Trip interruption and delay coverage covers travel expenses once you have started your trip. This type of coverage can reimburse you for the unused portion of your trip of you need to cut your trip short for a covered reason and may also cover expenses for last-minute travel home.   

One important thing to know about travel insurance is that most plans only cover unexpected events and each plan has its own list of events that it will cover. These events may include illness or death of a family member, airline strikes, job loss, or a natural disaster that renders your destination uninhabitable. What it typically does not cover is cancelling your trip because you have simply changed your mind. To be covered if you cancel your trip for any reason, you would need a plan with Cancel for Any Reason (CFAR) Coverage.

With CFAR coverage, you can cancel your trip for any reason prior to departure and be reimbursed for 50% to 75% of trip costs based on your individual plan. Many standard travel insurance plans will allow you to add on CFAR coverage to another plan for an additional fee, but it typically must be purchased within 10 to 21 days of your first trip payment.

Travel Insurance Can Protect You From Costly Medical Expenses

There is always the chance of illness or injury when traveling and your domestic health insurance plan may not provide coverage outside your home network. This is especially true when traveling abroad.  Medical expenses can be very costly, especially if you need medical evacuation back to your home country. Travel medical insurance can cover much of these costs.

Travel medical plans provide coverage for medical emergencies, accidents, and medical evacuations. These plans often exclude pre-existing conditions, so it is important to read the fine print to make sure you are adequately covered.

Many Travel Insurance Policies Provide Coverage for COVID-19

When the COVID-19 pandemic first hit, many travel insurance policy holders were denied trip cancellation and interruption coverage because existing plans excluded coverage for pandemics. Additionally, travelers who purchased insurance after the pandemic began, expecting that the plans would allow them to recoup some of their costs for cancelled trips, were surprised to find out that the COVID-19 pandemic was at that time viewed as a foreseeable event. This made COVID-19-related travel disruptions an ineligible event and related costs to travelers were not covered.

Now that the world has had some time to adjust to the pandemic, many travel insurance companies are offering policies that cover COVID-19-related expenses. With COVID-19 coverage, you may be able to be reimbursed for trip costs if you or your travel companion tests positive for COVID-19 before you travel.

If you contract COVID-19 while traveling, these policies may help cover medical expenses you incur at your destination, reimburse you for any quarantine lodging requirements, and cover your airfare back home once you are deemed safe to travel. 

Although we all hope the pandemic will be completely over by 2022, the COVID-19 pandemic is constantly evolving, and no one knows for sure what the future will bring. Having a comprehensive policy with COVID-19 coverage can take much of the worry out of future travel planning.

Travel Insurance May Be Mandatory at Your Destination

In response to the COVID-19 pandemic, some countries now require that visitors purchase a travel insurance plan in order to enter their country. Countries such as Aruba, Costa Rica, and Jamaica all have new travel insurance requirements in place. Countries including Cuba, Nepal, and Russia have had travel insurance requirements in place well before the COVID-19 pandemic.

If the country you are visiting requires travel insurance, it is a good idea to purchase a travel insurance plan offered by a reputable insurance company to ensure the plan you choose meets your destination’s requirements. Keep in mind that many of these travel insurance requirements are minimums and you can always purchase additional coverage to suit your particular needs. 

Why Now is the Best Time to Book 2022 Travel

Travel is slowly coming back to life as people begin to feel more comfortable venturing beyond their local area. With so many people’s travel plans derailed in 2020 and the uncertainty still lingering over travel planning in 2021, many people are scheduling and rescheduling their trips for 2022. This means that hotels, resorts, and flight reservations are filling up quickly. So, if you want the best choices when it comes to accommodations and activities, you will want to book soon to guarantee your 2022 travel dates.    

2022 Travel Prices are on the Rise

Travel deals were plentiful when the COVID-19 pandemic was at its worst and there was little line of sight on vaccines. Now that multiple effective vaccines have been approved and cases are generally trending down in the United States, airfare and hotel prices are creeping back up. Although there are still plenty of deals available if you know where to look, experts expect modest price increases throughout the rest of 2021. 

Enjoy Flexible Cancellation Policies While They Last

Many airlines, cruise operators, and tour services have adjusted their cancellation possibilities making them more flexible than ever before. Policies vary by company, but now may be the time to book even if you are uncertain on when you want to travel. You may be able to book now and change your dates later without incurring any sort of change fees and this flexibility is bound to change as the pandemic (hopefully) wanes in late 2021. 

Support the Travel Industry

COVID-19’s impact on the travel and tourism industry has been devastating. Economies that rely heavily on tourism have been especially hard hit. Booking an independently run hotel or a family-owned tour company can help keep the local people at your destination afloat during this particularly difficult time.

Give Yourself Something to Look Forward to Next Year

It doesn’t matter where you live or what you do. We have all been affected in one way or another by this pandemic. What better way to get through 2021 than by having a fantastic trip on the horizon? 2022 may seem like far away, but if you book your trip and purchase travel insurance now you will be on your way to your destination before you know it.

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