The Washington Post Sunday

Travel insurance has never been more confusing. Here’s what to know if you’re planning a trip this fall.

- The Navigator CHRISTOPHE­R ELLIOTT Elliott is a consumer advocate, journalist and co-founder of the advocacy group Travelers United. Email him at chris@elliott.org.

Finding the best travel insurance has never been easy, but if you’re planning a trip for this year, it’s never been this confusing.

Just ask Gail Arnoff, who contacted me recently about insurance for a trip to Israel.

“I don’t know how to get insurance which will cover me if I get covid,” she says. “Of course, my insurance will cover me for other conditions, but not specifical­ly for covid. How do I find the needed insurance for me and my husband?”

Arnoff, an English professor from Shaker Heights, Ohio, says it appeared as if the travel insurance companies didn’t have time to articulate their coronaviru­s policies. As a result, she didn’t know what to buy.

Travel insurance companies have been adjusting their policies in the past few months to meet the demands of both cautious travelers and underwrite­rs who are wary of losing their shirts on pandemic claims. Experts say there are a few essential coverages you need for your upcoming trips — and some that you can skip.

“Travelers are getting more informed about travel insurance,” says Karisa Cernera, senior manager of travel services for Redpoint Travel Protection. “They see it as a critical tool, especially when it comes to covid-19-related losses.”

But the coronaviru­s isn’t the only hazard that can derail your upcoming trip, says Stan Sandberg, co-founder of TravelInsu­rance.com.

“Given the forecast of an overly active Atlantic hurricane season, which runs through the end of November, savvy travelers should seek out plans that provide hurricane coverage, including for [National Oceanic and Atmospheri­c Administra­tion] hurricane warnings,” he says. “Also, with airports and airlines still getting back up to speed, flight delays and delayed or lost baggage can almost be expected.”

Many insurance underwrite­rs have modified their policies to cover an event such as testing positive for the coronaviru­s while traveling and being required to isolate. For example, Travelex recently announced that it would treat the coronaviru­s like any other illness. This means that if you, a traveling companion, family member or business partner become ill before or during your trip, you may be eligible for trip cancellati­on, trip interrupti­on, emergency medical or medical evacuation compensati­on.

Confused? There’s an easy solution: a “cancel for any reason” travel insurance policy, which allows you to cancel your vacation and receive a partial refund of your nonrefunda­ble prepaid expenses. You can also buy an extra medical option.

Sasha Gainullin, chief executive of the travel insurance company Battleface, says his company has been selling more cancel-for-any-reason policies since the pandemic.

But there’s a downside: Cancelfor-any-reason insurance is expensive. A traditiona­l travel insurance policy, which covers named perils, such as evacuation­s and lost luggage, is between 7 and 9 percent of the cost of your trip. This type of policy will set you back between 10 and 12 percent, and sometimes more.

Also, since the pandemic, many insurance companies have quietly reduced the payout on a cancelfor-any-reason policy, from 75 percent to 50 percent. You can still find 75 percent payout policies, but you have to look for them. And fortunatel­y, most insurance companies include medical coverage in their plans, although restrictio­ns apply.

The best trip cancellati­on travel insurance policy for you might not be the most expensive one, says Steve Dasseos, founder of TripInsura­nceStore.com. For example, a regular policy will cover trip cancellati­on, interrupti­on, trip delays, lost luggage, medical emergencie­s and evacuation­s. Not one of his policies excludes pandemics or epidemics.

What kind of travel insurance is essential? Coronaviru­s coverage tops the list, according to Daniel Durazo, director of marketing and communicat­ions at Allianz Partners USA. “Because the delta variant continues to create uncertaint­y about the path of the covid-19 pandemic, it’s important to protect yourself with a plan that includes coverage for medical emergencie­s and emergency medical transporta­tion,” he says.

But which one is right for you? I put that question to Maria Diego, owner of Diego Travel, a Florida-based travel agency. Diego says you can find travel insurance online, either through a travel insurance site or a travel insurance company. If you don’t hire a travel agency, make sure you read every policy carefully.

She sticks to three insurance companies: Allianz, Travel Guard and Travelex.

Now comes the hard part: matching your insurance needs to one of the policies you’re considerin­g.

Even if you work with a travel agent — and this is worth repeating — you need to take the time to pore over the boring fine print.

Other than coronaviru­s coverage, there’s one thing your policy must have, experts say. “Look for policies that include coverage for the financial default of a travel supplier,” says John Cook, president of QuoteWrigh­t.com. “Risk has increased because of the financial stress caused by the effect of covid-19.”

And one piece of expert advice: Don’t wait too long to buy insurance for your fall trip. You should make your purchase within 14 to 21 days of your first expenditur­e. “This provides coverage for financial default and the preexistin­g medical waiver,” says Laura Heidt, the insurance desk manager for Brownell Travel in Birmingham, Ala.

After an extensive search, Arnoff, the English professor, found a policy that specifical­ly offered coronaviru­s coverage for $370 per person. Her trip to Israel, taken before the delta variant surge, went off without a hitch, although she had to take multiple coronaviru­s tests to get into the country.

“We were totally stressed out,” she says. “But at least we had insurance.”

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