TRIP INSURANCE RESOURCES
In 2020, 360 members traveled with Austin Skiers to fabulous ski resorts in North America or go with us to several European countries. After 50 years of offering trips we have learned that travel plans can and do change, most often without warning. While some of our trips do offer optional (for an added expense) trip insurance through the tour operators, the majority of our trips do not have this option. This past season, some of our members had to cancel their travel plans at the last minute resulting in a loss of all or the majority of their trip investment. If you would like to avoid this unfortunate situation, we encourage you to research trip insurance options now.
Are you wondering if trip insurance is right for you? Here are a couple of good articles on the subject: Rick Steves AND USA Today. Also, please check out this article in
Nest Traveler regarding what they consider the 12 best travel insurance policies and why you should purchase before traveling.
Pandemics: as a general rule Travel Insurance policy don’t provide coverage for pandemics or a fear of getting sick. They typically have a very specific list (Named Perils) – much like you can purchase for your home or commercial business – of covered reasons for cancellation e.g., losing a job or a terrorist attack. The policy language regarding this isn’t anything new as virus exclusions began appearing in policies since the SARS epidemic of 2002-04. Regulation of insurance policies for the most part are governed by states not the federal government who have approved these exclusions for years.
The following Travel Insurance Resources are useful in comparing policies and prices. Please know, Austin Skiers does not endorse any of these insurance providers or their services and we do not require you to purchase trip insurance to travel with our non-profit club. These resources are only provided for your convenience. If you have concerns about the reputation of any travel insurance company ask about their Better Business Bureau rating or their affiliation with the US Travel Insurance Association web.ustia.org/Travel-Insurance-Providers.
You might find it worthwhile to check out this YouTube video, which does a great job of explaining Travel Insurance and the difference between Trip Interruption and Trip Medical Coverage. She also posted a spreadsheet in Google Docs you can download. The date of this video is October 12, 2017 - so there may have been some changes in the information.
Trip Insurance Resources: (Meeting the USTIA ethical standards. (Entire USTIA list.)
- InsureMyTrip - (Click here for BBB rating). Click here regarding their comments on "Travel Insurance and Coronavirus."
- Travelex Insurance (Click here for BBB rating). Click here for "Coronavirus (COVID-19) Coverage Update).
- World Nomads (Click here for Consumer Advocate Review) - they don't cover individuals over 70. Check this link for their explanation under FAQ regarding COVID-19.
- TravelGuard (AIG) - (Click here for rating). Click here for their "COVID-19 Notification." Also click here for their Coronavirus Travel Advisory FAQ.