{"id":44073,"date":"2021-10-19T06:00:00","date_gmt":"2021-10-19T10:00:00","guid":{"rendered":"https:\/\/www.ottsworld.com\/?p=44073"},"modified":"2024-12-27T23:19:44","modified_gmt":"2024-12-28T04:19:44","slug":"travel-insurance-in-covid-times","status":"publish","type":"post","link":"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/","title":{"rendered":"Travel Insurance in COVID Times: How to Make Sure You Are Covered"},"content":{"rendered":"<p><em>Sponsored Content<\/em><\/p>\n\n\n\n<p class=\"has-drop-cap\">I&#8217;m getting ready to take my first international trip since February of 2020, and I realized that I\u2019m not very prepared to do so. After 20 months of only traveling domestically \u2013 I\u2019m out of practice. I\u2019m specifically rusty on the continuously changing COVID testing rules, as well as the changing world of travel insurance. I had been blocking all of this out until I really needed to figure it out and the time has come.<\/p>\n\n\n\n<p>I\u2019m a procrastinator\u2026even when it comes to travel!  Don&#8217;t even get me started on my penchant for last minute packing!<\/p>\n\n\n\n<p>There&#8217;s just so much to consider now when traveling in these COVID times, and it&#8217;s impossible to stay on top of everything. But a few weeks ago I had a message saying that my annual travel insurance plan was about to expire, so I was forced to get on top of travel insurance again and all of the new possible scenarios to consider now as we travel in a post pandemic world.<\/p>\n\n\n\n<div class=\"wp-block-image is-style-default\"><figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/2021-10-03-12.20.38-900x1200.jpg\" alt=\"Traveling during covid\" class=\"wp-image-44099\" width=\"430\" height=\"573\" srcset=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/2021-10-03-12.20.38-900x1200.jpg 900w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/2021-10-03-12.20.38-225x300.jpg 225w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/2021-10-03-12.20.38-768x1024.jpg 768w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/2021-10-03-12.20.38-1152x1536.jpg 1152w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/2021-10-03-12.20.38-1536x2048.jpg 1536w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/2021-10-03-12.20.38-scaled.jpg 1920w\" sizes=\"auto, (max-width: 430px) 100vw, 430px\" \/><\/figure><\/div>\n\n\n\n<p>I binged on what all the latest things were in travel insurance, and researched all kinds of new scenarios. I&#8217;ve done all this research, so you hopefully don&#8217;t have to. We&#8217;re so busy these days and things change so fast, how can we stay on top of everything?  <\/p>\n\n\n\n<p>So when you need this. <strong>Here it is \u2013 things you need to know about travel insurance and epidemic coverage.<\/strong><\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69b92f48d7b46\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69b92f48d7b46\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/#Should_You_Get_Travel_Insurance\" >Should You Get Travel Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/#How_Allianz_Travel_Insurance_Covers_Travel_During_COVID\" >How Allianz Travel Insurance Covers Travel During COVID<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/#The_Epidemic_Coverage_Endorsement_Explained_%E2%80%93_With_Examples\" >The Epidemic Coverage Endorsement Explained \u2013 With Examples!<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/#Trip_Cancellation\" >Trip Cancellation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/#Trip_Interruption\" >Trip Interruption<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/#Travel_Delay\" >Travel Delay<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/#Emergency_Medical_Care\" >Emergency Medical Care<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/#Emergency_Transportation\" >Emergency Transportation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/#Cancel_for_Any_Reason_Insurance\" >Cancel for Any Reason Insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/#But_I_still_question_%E2%80%93_is_CFAR_really_necessary\" >But I still question \u2013 is CFAR really necessary?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/#Annual_Plans_Help_You_Save_Money\" >Annual Plans Help You Save Money<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/#Travel_Insurance_Questions_From_Readers\" >Travel Insurance Questions From Readers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.ottsworld.com\/blogs\/travel-insurance-in-covid-times\/#Im_Ready_to_Travel_Internationally\" >I\u2019m Ready to Travel Internationally!<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Should_You_Get_Travel_Insurance\"><\/span>Should You Get Travel Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>I\u2019ve been using travel insurance since 2006 when I started traveling long term, however I know many people that always opt to not get it. However, with the pandemic, I\u2019m pretty sure all of those people who normally refused travel insurance are now at least thinking about it as they make their future travel plans. Our world is unstable now, and who knows if we\u2019ll ever feel stable again.<\/p>\n\n\n\n<p>I personally am a believer in travel insurance \u2013 especially these days with the possibility of destinations closing their borders at a moments notice, cancelled flights, etc. In fact, my upcoming international flights have changed multiple times already since I booked them a few months ago.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-140233-1200x675.jpg\" alt=\"cancelled flights travel insurance\" class=\"wp-image-44104\" srcset=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-140233-1200x675.jpg 1200w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-140233-300x169.jpg 300w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-140233-768x432.jpg 768w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-140233.jpg 1500w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>Travel insurance will help with things like trip delays, cancellations, lost or delayed luggage, emergency medical care and transportation. In addition, there are many other perks such as concierge service, a great phone app for finding medical assistance in foreign countries, and rental car coverage.<\/p>\n\n\n\n<p>Whatever you do &#8211; make sure you read through my <a href=\"https:\/\/www.ottsworld.com\/blogs\/tips-for-buying-annual-multi-trip-travel-insurance\/\" target=\"_blank\" rel=\"noopener\" data-lasso-id=\"1017210\">8 things you should do before you purchase travel insurance<\/a>! <\/p>\n\n\n\n<p>Learn more about the Travel Smart App and why it\u2019s an essential part of my \u2018packing list\u2019 for every trip. <a href=\"https:\/\/www.allianztravelinsurance.com\/travelsmart.htm\" target=\"_blank\" rel=\"noopener\" data-lasso-id=\"1017211\">Download the TravelSmart app here<\/a><\/p>\n\n\n\n<p><strong>Full Disclosure:<\/strong><br><em>I am a member of the Allianz Ambassador Team. No \u2013 I\u2019m not selling insurance \u2013 I\u2019m just here to share my experiences with travel insurance and help educate people on the why I use it and how it may be able to help you save money and time. I\u2019ve been using Allianz Travel Insurance plans for the past 5 years.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Allianz_Travel_Insurance_Covers_Travel_During_COVID\"><\/span>How Allianz Travel Insurance Covers Travel During COVID<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>No one saw COVID coming, not even travel insurance companies. However all travel insurance had terms in their plans that didn\u2019t cover you in case of an epidemic \u2013 so none of them were really on the hook to pay out claims as the pandemic blew up around the world. However, even though they didn\u2019t have to accommodate these customers \u2013 Allianz tried to.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-19-1200x675.jpg\" alt=\"travel insurance coverage covid\" class=\"wp-image-44102\" srcset=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-19-1200x675.jpg 1200w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-19-300x169.jpg 300w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-19-768x432.jpg 768w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-19.jpg 1500w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>\u201cDuring the last 18 months, we\u2019ve accommodated customers who contracted COVID and needed to cancel trips or medical assistance while traveling, but our plans had epidemics as an exclusion.\u201d<\/p><cite>Allianz Travel Insurance<\/cite><\/blockquote><\/figure>\n\n\n\n<p>They\u2019ve also been working to refile their products to make this epidemic accommodation permanent. Now their plans will provide benefits for trip cancellation, medical expenses or trip interruption, should you or your travel companion become ill with COVID or any other new epidemic.<\/p>\n\n\n\n<p>Allianz Partners USA announced the rollout of its new Epidemic Coverage Endorsement, which adds enhancements for new purchasers of some of its travel insurance products that may provide coverage to customers who become ill with COVID-19 or a future epidemic, are individually ordered to quarantine, or are denied boarding due to a suspected illness. This new coverage formalizes and adds to some of the temporary accommodations the company put into place in March 2020 to assist travelers who had been impacted by the COVID-19 crisis.<\/p>\n\n\n\n<p>They added this epidemic-related coverage to some of their most popular insurance plans in response to COVID-19.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Epidemic_Coverage_Endorsement_Explained_%E2%80%93_With_Examples\"><\/span>The Epidemic Coverage Endorsement Explained \u2013 With Examples!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The first and most important thing to note &#8211; benefits vary by plan and are not available in all states. Any time you are dealing with insurance \u2013 you have to read all the details, so please don\u2019t assume that you read this and that it\u2019s gospel \u2013 many things can affect benefits \u2013 so <a href=\"https:\/\/www.ottsworld.com\/blogs\/tips-for-buying-annual-multi-trip-travel-insurance\/\" target=\"_blank\" rel=\"noopener\" data-lasso-id=\"1017212\">be thorough with your research before you buy<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-20-1200x675.jpg\" alt=\"travel insurance uncertainty\" class=\"wp-image-44108\" srcset=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-20-1200x675.jpg 1200w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-20-300x169.jpg 300w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-20-768x432.jpg 768w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-20.jpg 1500w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>In general Allianz\u2019s epidemic coverage includes (note coverage amount depends on your benefit limits in your plan):<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Trip_Cancellation\"><\/span>Trip Cancellation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p> If for example you must cancel your trip after being diagnosed with COVID-19. This also includes a serious illness suffered by a traveling companion or a family member. The Epidemic Coverage Endorsement also includes the serious illness of a family member who\u2019s not traveling with you. Your trip cancellation can be covered if a family member is diagnosed with COVID-19 (or another epidemic disease) and their illness is considered life-threatening by a doctor or requires hospitalization.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Trip_Interruption\"><\/span>Trip Interruption<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If for example during your trip you are <strong>specifically named and individually ordered<\/strong> to quarantine (not including generally or broadly applicable quarantines). <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Travel_Delay\"><\/span>Travel Delay<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p> If for example you are denied boarding based on a suspicion that you are ill with an epidemic disease such as COVID-19.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"1200\" src=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-33-1200x1200.jpg\" alt=\"travel delays insurance\" class=\"wp-image-44100\" srcset=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-33-1200x1200.jpg 1200w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-33-300x300.jpg 300w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-33-150x150.jpg 150w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-33-768x768.jpg 768w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-33-600x600.jpg 600w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-33.jpg 1500w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Emergency_Medical_Care\"><\/span>Emergency Medical Care<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If for example you are diagnosed with COVID-19 and need to be hospitalized while traveling.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Emergency_Transportation\"><\/span>Emergency Transportation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If for example you\u2019re diagnosed with an epidemic disease such as COVID-19 while you\u2019re traveling and you require an emergency medical evacuation.<\/p>\n\n\n\n<p>Be sure to check out more great scenario examples that <a href=\"https:\/\/www.allianztravelinsurance.com\/travel\/insurance-101\/the-epidemic-coverage-endorsement-explained.htm\" target=\"_blank\" rel=\"noopener\" data-lasso-id=\"1017213\">Allianz lists on this article <\/a>\u2013 it really helped me understand what is and isn\u2019t covered in scenarios that I hadn\u2019t even considered! <\/p>\n\n\n\n<hr class=\"wp-block-separator is-style-wide\">\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\">From lost luggage coverage, to a sprained ankle, to a trip delay, to an epidemic \u2013 travel insurance can help, check it out for yourself; Allianz Global Assistance Travel Insurance. <\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><a href=\"https:\/\/www.allianztravelinsurance.com\/quote\" target=\"_blank\" rel=\"noopener\" data-lasso-id=\"1017214\">Get a free quote for your next trip!<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator is-style-wide\">\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cancel_for_Any_Reason_Insurance\"><\/span>Cancel for Any Reason Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Suddenly \u2013 this term \u2018cancel for any reason\u2019 has become a part of our travel vocabulary &#8211; but what does it mean?<\/p>\n\n\n\n<p>Cancel for Any Reason insurance (CFAR) cover you if you cancel your trip due to a \u201cfear of getting sick\u201d or travel advisories. For example, if the COVID numbers are going up in the destination you are going to and you decide it\u2019s too risky to travel there any longer and want to cancel \u2013 you will not be covered under typical plans.<\/p>\n\n\n\n<p>However \u2013 you can purchase a CFAR plan separately after you purchase a base travel insurance plan. You normally need to get coverage within 14 to 21 days of your first trip payment. The deadline for adding CFAR will depend on the travel insurance company, and not all companies offer it.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-13-1200x675.jpg\" alt=\"Covid street art denver\" class=\"wp-image-44105\" srcset=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-13-1200x675.jpg 1200w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-13-300x169.jpg 300w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-13-768x432.jpg 768w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-13.jpg 1500w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>With CFAR coverage, you can cancel your trip for any reason that\u2019s not already a reason covered by your policy. You will generally be reimbursed for 50% or 75% of your pre-paid, forfeited and non-refundable trip costs. And you can Expect CFAR to add about 40% to your travel insurance cost.<\/p>\n\n\n\n<p>Allianz does not offer any CFAR currently. To find places that do \u2013 <a href=\"https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-cancel-for-any-reason-travel-insurance\/\" target=\"_blank\" rel=\"noopener\" data-lasso-id=\"1017215\">check out this list<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"But_I_still_question_%E2%80%93_is_CFAR_really_necessary\"><\/span>But I still question \u2013 is CFAR really necessary?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Keep in mind that if you\u2019re concerned about traveling due to COVID and need to cancel your trip, many airlines and other travel suppliers now allow you to change the dates of your travel without change fees (I\u2019ve done this many times already!). So \u2013 even if you don\u2019t have CFAR Coverage, you could just change your trip\u2019s dates, and companies like Allianz will allow you to move your plan coverage dates to cover a new or rescheduled trip, so long as that trip is scheduled to be completed within 770 days from the plan\u2019s original purchase date. This may allow you to just wait it out if you can financially do that.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Annual_Plans_Help_You_Save_Money\"><\/span>Annual Plans Help You Save Money<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When looking at travel insurance, make sure you consider (and run the numbers for) annual travel insurance plans. I use annual travel insurance; it\u2019s the best way to get travel insurance if you travel frequently. If you do 3 or more trips a year \u2013 you\u2019ll want to look into the Annual plans. OR \u2013 if you take a bunch of micro-cations\/shorter domestic trips (think road trips, a weekend in a city that had a great airfare sale, a national park trip, or maybe even the new <a href=\"https:\/\/www.ottsworld.com\/blogs\/rocky-mountaineer-colorado-train-moab-to-denver\/\" target=\"_blank\" rel=\"noopener\" data-lasso-id=\"1017216\">Rocky Mountaineer train trip through Colorado<\/a>), you\u2019ll want to consider an annual plan.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/08\/Rocky-Mountaineer-Moab-43-2-1200x675.jpg\" alt=\"luxury train colorado moab\" class=\"wp-image-43746\" srcset=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/08\/Rocky-Mountaineer-Moab-43-2-1200x675.jpg 1200w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/08\/Rocky-Mountaineer-Moab-43-2-300x169.jpg 300w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/08\/Rocky-Mountaineer-Moab-43-2-768x432.jpg 768w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/08\/Rocky-Mountaineer-Moab-43-2.jpg 1500w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>Allianz recently surveyed travelers about their micro-cation plans and found that 34% of Americans \u2014 more than one in three \u2014 were planning to take multiple shorter trips vs. the traditional week-long (or longer) vacation. Breaking down the results even further, of the 44 percent who said they would travel at the first opportunity, the majority (51 percent) said they would take multiple trips. The uncertainty that ebbs and flows around the pandemic has prompted more American travels to eye domestic itineraries, which are typically shorter.<\/p>\n\n\n\n<p>Why consider an annual plan? Because you\u2019ll save money. If you take just three trips in a year, going with an annual travel insurance plan is more cost-effective than buying three separate plans. For my upcoming trip I looked at renewing my annual plan for approximately $140 a year, or buying a single trip coverage for approximately $45. Knowing that I have many more trips coming up over the next 12 months, it was a no-brainer to just renew my annual policy.<\/p>\n\n\n\n<p>I personally think annual travel insurance plans are the best thing that has happened in the travel industry in recent years! I\u2019m sure that\u2019s because I travel a lot and often found myself getting yet another single trip plan\u2026just another thing to remember on my travel checklist.<\/p>\n\n\n\n<p>And the good news is that the <a href=\"https:\/\/www.allianztravelinsurance.com\/travel\/insurance-101\/the-epidemic-coverage-endorsement-explained.htm\" target=\"_blank\" rel=\"noopener\" data-lasso-id=\"1017217\">Allianz annual plans have added the epidemic coverage endorsements<\/a>!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-194332-1200x675.jpg\" alt=\"travel insurance covid coverage\" class=\"wp-image-44106\" srcset=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-194332-1200x675.jpg 1200w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-194332-300x169.jpg 300w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-194332-768x432.jpg 768w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-194332.jpg 1500w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>It\u2019s easy to get a quote and do the math, so before you buy single trip coverage \u2013 check into the cost of annual coverage too so you can make the most economical decision.<\/p>\n\n\n\n<p>To <a href=\"https:\/\/www.ottsworld.com\/blogs\/how-to-save-money-on-your-next-trip-with-annual-travel-insurance\/\" target=\"_blank\" rel=\"noopener\" data-lasso-id=\"1017218\">read all about why I chose an annual plan and why you should consider it read my past article here<\/a> \u2013 I have a pretty thorough article on it that I wrote right before the pandemic and much of it still applies!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Travel_Insurance_Questions_From_Readers\"><\/span>Travel Insurance Questions From Readers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>I recently asked you what questions you had about travel insurance and I collected a few of them.<\/p>\n\n\n\n<p>Will it cover a COVID quarantine if you test positive and can\u2019t get back in to the US? From @brakercarol<br>Answer:  The Allianz plans do have that coverage as part of their Epidemic Coverage Endorsement. If you are looking at other plans, check them carefully.<\/p>\n\n\n\n<p>Do you still have more questions? Leave them in the comments and I\u2019ll try to answer them!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"600\" src=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2012\/02\/SFOtoJFK-2.jpg\" alt=\"airplane sunset\" class=\"wp-image-11780\" srcset=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2012\/02\/SFOtoJFK-2.jpg 800w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2012\/02\/SFOtoJFK-2-300x225.jpg 300w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2012\/02\/SFOtoJFK-2-768x576.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption>Sunset on my SFO to JFK flight<\/figcaption><\/figure>\n\n\n\n<p><em>Note: Please make sure you read all of the fine print and ask your questions of agents when you are purchasing travel insurance. As with all insurance you buy \u2013 the devil is in the details.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Im_Ready_to_Travel_Internationally\"><\/span>I\u2019m Ready to Travel Internationally!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Now since I have reacquainted myself with travel insurance changes, I think I\u2019m all ready to go! I\u2019ll be letting you know where I\u2019m heading in my upcoming newsletter so be sure to sign up and follow along in my social channels!<\/p>\n\n\n\n<p>Now I just have to find where I put my passport!<\/p>\n\n\n\n<div class=\"wp-block-image size-large\"><figure class=\"aligncenter is-resized\"><img loading=\"lazy\" decoding=\"async\" data-pin-description=\"Travel Insurance During a Pandemic - How To Make Sure You Are Covered. Discover how travel insurance has been modified to cover COVID. Learn about CFAR - What is Cancel for Any Reason Insurance. Compare annual vs. single trip insurance plans.\" data-pin-title=\"Travel Insurance During a Pandemic - How To Make Sure You Are Covered\" src=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-covid-times-2.jpg\" alt=\"Travel Insurance During a Pandemic - How To Make Sure You Are Covered\" class=\"wp-image-44140\" width=\"368\" height=\"551\" srcset=\"https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-covid-times-2.jpg 735w, https:\/\/www.ottsworld.com\/wp-content\/uploads\/2021\/10\/travel-insurance-covid-times-2-200x300.jpg 200w\" sizes=\"auto, (max-width: 368px) 100vw, 368px\" \/><\/figure><\/div>","protected":false},"excerpt":{"rendered":"<p>Sponsored Content I&#8217;m getting ready to take my first international trip since February of 2020, and I realized that I\u2019m not very prepared to do&#8230;<\/p>\n","protected":false},"author":5,"featured_media":44107,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[17],"tags":[1902,1063],"class_list":["post-44073","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel-tips","tag-insurance","tag-travel-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Travel Insurance in COVID Times: How to Make Sure You Are Covered<\/title>\n<meta name=\"description\" content=\"How travel insurance has been modified to cover COVID. 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