The coronavirus has not disappeared and is giving a whole new meaning to travel. It seems that the wisest thing to do is to accept the virus and protect ourselves as best we can. We would like to remind you why COVID coverage is important when choosing travel insurance and why it makes sense to abide by ‘IIZI recommends’.
“IIZI recommends” helps choose appropriate insurance coverage
When it comes to taking out insurance, people tend to make their choice based on affordability. Unfortunately, travel insurance today is seen as one of the most nuanced forms of insurance from the client’s point of view. When entering into a complex insurance contract, travellers are better off using the help of a broker, whose expert knowledge will help interpret the information provided by insurers, find the right cover based on the traveller’s needs and the purpose of the trip and make specific recommendations on which insurance policy to take out. “If a client does not follow the recommendations of a professional advisor, i.e. a broker, they have to take into account that they might make the wrong decision,” stresses Pille Plees, Product Development Manager for IIZI’s property and personal insurance. The client can always ask the broker what exactly is the difference between ‘IIZI recommends’ and the options they have chosen.
What does the best COVID coverage mean?
“Our offers always recommend the insurance contract with the best COVID protection along with a thorough explanation as to why,” says Plees, according to whom travel insurance coverage can broadly be divided into three: medical aid insurance, travel disruption and luggage insurance. “In its best COVID coverage recommendations, IIZI always prioritises the health of the individual, which is why we always recommend insurance with the best COVID medical aid insurance,” says the specialist. The second important criterion the recommendation takes into consideration is the indemnification of COVID-related travel damage. “This coverage is significant since it includes trip cancellation in the event of contracting the coronavirus as well as a change in travel plans if you contract the coronavirus while travelling and this results in a change of travel plans and additional costs,” says the product manager, adding that additional costs can include new return tickets, accommodation and more.
Have you already had COVID? Always examine the terms and conditions
It is known that people who have contracted and recovered from and are vaccinated against COVID-19 can actually contract the coronavirus again, bringing the trip to an end or cancelling it altogether. Those who have contracted and recovered from the coronavirus should check whether and under what conditions they are offered travel insurance with COVID coverage. For example, some insurers offer travel disruption coverage only to those who have a negative PCR test taken some time after contracting and recovering from COVID-19 but before purchasing travel insurance.
Normal risks are still out there
Travelling can still be affected, for example, if a passenger falls ill before travelling, airlines go on strike, luggage is lost or delayed, a volcano unexpectedly becomes active, an act of terrorism occurs, flight schedules change, events are cancelled or postponed, etc. It is a good idea to consider the mode of transportation you will be using, the value of the luggage you will be taking and the purpose of your trip (holiday, training camp, business trip, etc.). “Today, good travel insurance should definitely include travel disruption insurance and supplementary travel disruption coverage as well as luggage insurance in addition to medical aid insurance with as high a sum insured as possible,” stresses Plees. Consult an insurance broker and find the insurance solution that suits you best.