When you travel, you are exposed to a variety of risks. Some of these risks, such as losing your luggage or getting sick, can be covered by travel insurance.
Other risks, such as political unrest or natural disasters, may not be covered. It is important to choose the right travel insurance plan that fits your needs and to compare travel insurance plans before you buy.
There are a few things to consider when you are choosing a travel insurance plan.
First, you need to decide what type of coverage you need. There are four main types of coverage: trip cancellation and interruption, medical, evacuation, and baggage.
You should also consider how much coverage you need. The amount of coverage you need will depend on the cost of your trip, the length of your trip, and your personal circumstances.
Once you have decided what type and amount of coverage you need, you can start comparing travel insurance plans.
When you are comparing plans, you should look at the premium, the deductible, the policy limits, and the exclusions. You should also read the reviews of the plan to see what other customers have to say.
Choosing the right travel insurance plan can be difficult, but it is important to make sure you are covered in case something goes wrong on your trip.
By taking the time to compare travel insurance plans, you can be sure you are getting the best coverage for your needs.
In this article...
Atlas America
Pros:
1. Coverage for a wide range of medical expenses, including emergency medical evacuation and repatriation
2. Coverage for pre-existing medical conditions (with some restrictions)
3. Cancellation and trip interruption protection
4. Baggage protection
5. 24/7 assistance hotline
Cons:
1. Relatively high premiums
2. Some exclusions and limitations on coverage
3. No coverage for political evacuations
Recommended Plans
Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.
Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).
Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.
Safe Travels USA Comprehensive
Pros:
1. Lower premiums than Atlas America
2. Coverage for political evacuations
3. Coverage for a wide range of medical expenses, including emergency medical evacuation and repatriation
4. Coverage for pre-existing medical conditions (with some restrictions)
5. Cancellation and trip interruption protection
6. Baggage protection
7. 24/7 assistance hotline
Cons:
1. Some exclusions and limitations on coverage
2. No coverage for sports-related activities
Patriot America Plus
$71 / Month
- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $2,500
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
Atlas America
$80 / Month
- Plan maximum limits ranging from $50,000 to $2 million
- Deductible options from $0 to $5,000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 364 days
Patriot America Plus:
Pros:
1. Covers pre-existing medical conditions
2. Cancellation and interruption coverage
3. Emergency medical and evacuation coverage
4. Lost baggage and personal effects coverage
5. 24/7 assistance
Cons:
1. Does not cover adventure activities
2. Relatively high premiums
Safe Travels USA Comprehensive:
Pros:
1. Covers pre-existing medical conditions
2. Cancellation and interruption coverage
3. Emergency medical and evacuation coverage
4. Lost baggage and personal effects coverage
5. 24/7 assistance
6. Cover for adventure activities
Cons:
1. Higher premiums than some other plans
Safe Travels USA
$69 / Month
- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $5000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
- Coverage for 1 episode of Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
Patriot America Plus
$71 / Month
- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $2,500
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
Here are some of the most popular travel insurance comparisons.
