From the time I first learned that travel insurance existed, I've purchased it. One of the early mistakes I made was choosing a company that would not cover me if I didn’t leave from my house. Picky, picky, picky.
Since I frequently was in Seattle instead of Tucson before I left, flew from Seattle and returned to Seattle, I wouldn't have been covered if I needed to be.
This may be TMI, but below are some details from the Travel Guard Plus policy I got for my trip to Ireland and Wales next summer.
Not all of these are particularly important to me, but they were part of the package:
Trip Cancellation -- 100% of Trip Cost up to a maximum of $100,000.
Trip Interruption -- 150% of Trip Cost up to a maximum of $150,000.
Trip Interruption -- Return Transportation Only -- $1,000.
Single Occupancy -- up to 100% of Trip Cost up to a maximum of $100,000.
Trip Delay -- up to $200 per day, to a maximum of $1,000.
Missed Connection -- $1,000.
Baggage Coverage -- $2,500. Per-item restrictions apply, see benefit wording for details.
Baggage Delay -- $400.
These are also part of the package, and are very important to me:
Travel Medical Expense -- $100,000.
Physical Therapy -- $2,000.
Dental -- $500.
Emergency Evacuation & Repatriation of Remains -- $1,000,000.
Non-flight Accidental Death & Dismemberment -- $50,000.
At my age of 75, the price for 5 weeks of coverage in the Republic of Ireland and the UK (Northern Ireland, Wales and England) was not cheap, but most of it was covered by vouchers I had from my Covid canceled 2020 trip.
I've gone over this policy with a critical eye and could find nothing that specifically mentions Covid in any way. I did find this phrase under the benefits of both Trip Cancellation and Trip Interruption coverage:
The Company will pay a benefit to reimburse the Insured for covered expenses up to the Maximum Limit shown in the Schedule or Declarations Page, if an Insured [cancels or is unable to continue on, respectively] his/her Trip due to any of the following Unforeseen events:
(a) Sickness, Injury, or death of an Insured, Family Member, Traveling Companion, ... . Sickness or Injury must be certified by a Physician;
(b) the Insured or Traveling Companion is ... quarantined, ...;
I signed up within 21 days of the first money I spent on the 2022 trip (the deposit on the Rick Steves Best of Ireland in 14 Days tour) so that I could get the pre-existing medical conditions waiver. "Pre-Existing Medical Conditions Exclusion Waiver Provides coverage otherwise excluded due to pre-existing medical conditions."
This is their definition of a pre-existing medical condition: Pre-Existing Medical Condition means an Injury, Sickness or other condition of the Insured, Traveling Companion, Family Member, ... to which any of the following applied within the 180 day period immediately preceding and including the purchase date of this plan:
(a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment, or;
(b) care, testing or treatment was given or
recommended by a Physician, or;
(c) required a change in prescribed medication.
Death resulting from a pre-existing medical condition will not be excluded. The death must occur prior to the termination date of the benefit under which the claim is being made.
Travel insurance is like any insurance. If needed, it can be a form of asset protection. But, it's complicated, a challenge to understand and I hope I never have to use it.