Ethan M. Steinberg
speaker
126 appearances
2 recordings
1 series
first heard Jul 2023
last heard Aug 2023
Ethan M. Steinberg’s voice in public audio — every appearance, attributed to the second.
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Appearances
If you are booking your travel yourself, often there's an option to buy travel insurance when you're checking out on your airline's website.
But travel agents recommend comparison shopping so you could see which plan fits your trip best in terms of coverage and cost.
Travel agents say that medical coverage is the main reason people are buying travel insurance.
During the pandemic, when people were getting sick and you didn't know if you were going to catch the virus at any time and you were booking a trip, people wanted to have that safety and sense of security that they'd be able to back out of a trip if they were sick and their doctor said that they couldn't travel.
I spoke to a 29-year-old personal finance coach from New York.
She was in Mexico last year on vacation with her mom.
She was insured, but her mom wasn't.
And her mom ended up getting food poisoning, and they had to call a doctor to come to their villa.
And the medical bill just for that visit, he didn't prescribe any medicine, just for the visit, it was $635.
So whether that is covered depends on the plan and also when you book the plan.
Let's say, for example, it's two days before your trip and you come down with the flu.
Most plans, travel agents say, will cover any prepaid, non-refundable costs that you would lose as long as you go to a doctor and get a note that says that you are, in fact, too sick to travel.
But if you fall ill due to a pre-existing condition,
Most plans by default will not cover you in that scenario.
But travel agents say that if you buy your insurance within two weeks of booking the trip, for the most part, most plans will waive that pre-existing condition waiver and will in fact cover you.
So it depends.
If you are leaving on Saturday for Rome and you check the weather app on your phone on Thursday and see that it's going to be over 100 degrees there for several days in a row and you think it's going to be too uncomfortable for you to go, backing out of your trip for that reason, typically travel insurance won't cover you there as long as your flight is still going and no supplier has canceled on you.
On the other hand, let's say your flight is delayed or canceled because of bad weather.
In that case, the onus is usually on the airline to provide you with some sort of alternate arrangement or a refund.
But travel insurance will usually kick in after about 6 to 12 hours of a delay, travel agents say.
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