As the world starts to reopen after the pandemic, travel seems to be picking up pace, and so is the need to have adequate travel insurance. But, with an overwhelming number of options available today, how do you know which travel insurance policy best suits your needs?
Well, that’s where Wirecutter comes in! Wirecutter, a New York Times company, is a recommendation website that helps you choose the best products and services, reviewed and recommended by their team of experts.
Recently, Wirecutter’s experts reviewed and rated several travel insurance policies, and in this article, we will delve into their findings and help you choose the best coverage for your next trip.
Types of Travel Insurance Policies
Before we dive into the reviews, let’s first understand the different types of travel insurance available in the market today. There are two main types of policies – Medical and Trip protection.
Medical coverage helps cover the cost of medical emergencies that may arise while travelling such as emergency medical care, evacuation expenses, and more.
Trip protection coverage offers a broader range of protection, including coverage for trip cancellation, baggage loss, and flight delays, etc.
Now, let’s explore some of the top travel insurance policies that made it to Wirecutter’s list of recommendations.
1. Allianz Global Assistance
Allianz Global Assistance’s OneTrip Premier plan is one of the most comprehensive of the travel insurance plans reviewed by Wirecutter. It provides primary medical coverage, trip interruption, and baggage coverage of up to $2,000.
Furthermore, this plan offers a 24-hour assistance hotline, allowing for instant medical consultation from anywhere in the world. Although this policy may seem a bit pricey, it’s a great option for travelers seeking peace of mind in case of any unforeseen circumstances.
2. Travelex Insurance Services
Travelex’s Travel Select policy is an excellent choice for travelers with pre-existing conditions. It includes a waiver for pre-existing conditions, allowing travelers with medical conditions to receive complete coverage in case of any complications.
This plan also provides trip cancellation and trip interruption coverage, as well as emergency medical and evacuation coverage. If you’re over the age of 70, Travelex Insurance Services offers additional coverage options as well.
3. Generali Global Assistance
Generali’s Preferred plan is another top-rated travel insurance policy that offers features like trip cancellation, trip interruption, and baggage coverage. This plan also includes medical coverage for emergency medical attention as well as emergency medical evacuation.
Generali Global Assistance’s preferred plan is reasonably priced, making it an attractive option for travelers on a budget.
Conclusion
To sum it up, choosing the right travel insurance policy is essential for every traveler. While there are several options to choose from, it’s crucial to understand your needs and choose a policy that aligns with them. By considering the recommendations provided by Wirecutter’s experts, you can ensure that you are getting the best coverage for your travels.
Remember to read the policy details carefully to avoid any surprises and make the most of the features offered by your travel insurance policy. Happy travels!
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