RALEIGH, NC (WNCN) – As we enter what is expected to be a very busy holiday season, travelers must deal with concerns about COVID as well as whether the flights they have booked will even exist when they will be ready to fly.
As a result, many people think about travel insurance, but they don’t know what type of insurance to buy.
These days, air travel delays and cancellations are ubiquitous.
On Friday, Flight Aware’s live tracker listed more than 10,000 delayed flights worldwide and more than 2,600 canceled in the United States.
“Airlines and other industry experts are already warning travelers that these delays and cancellations could extend into the summer months,” said Jonathan Nichols, vice president of underwriting at WorldTrips Travel Insurance.
Your best protection is the travel policy, but there are many different types of coverage, including:
- Travel delay
- Lost/damaged or delayed baggage
- Prepaid Trip Cancellation
Nichols says the best value for the average traveler will depend on where you’re going.
For example, if you are traveling abroad, you must include medical coverage because your private health insurance will not cover you in another country.
“For domestic travelers, look for a policy that includes cancellation and delays,” Nichols said.
Indeed, in the United States, airlines are not required to compensate for delays and cancellations.
Someone planning the vacation of a lifetime should think about covering it all up instead, because these travelers have a lot more to worry about.
“They have more than plane tickets,” Nichols said. “They have vacation home rentals, their car, and other costs. So the best thing to do is bundle all those costs together.
The price of these policies ranges from 4-5% of the cost of the trip, but may increase depending on the benefits included.
Although an airline may offer you travel insurance as part of the ticket price, remember that it will usually only cover the airfare.
If you want more extensive coverage, you will need to purchase a travel insurance policy independently. Make sure you know what each type of policy covers.
There are plenty of choices online, but compare them before you buy.