The 4 Best Travel Insurance

Best Travel Insurance

When You Are Going To Hire Some Of The Best Travel Insurance, There Are Many Circumstances And Coverage That You Should Take Into Account. It Is Not The Same To Travel To A European Country Than To Countries Such As Japan, Canada Or The United States, Where For Example A Broken Leg Could Cost A Whopping $ 25,000 To  $ 60,000, The Costs Of Hospitalization And Treatment For A Serious Illness Can Range Between $ 60,000 And $ 300,000, To Which Should Be Added Extras Such As Repatriation In The Event Of Serious Illness (Between $ 60,000 And $ 120,000).

Tips For Hiring Travel Insurance

My Best Advice Is That You Hire One Of The Best Travel Insurance With Extensive Medical Coverage.

It Is Also Very Important That Your Travel Insurance Has 24 Hours A Day Free Service And In Spanish, Either By Phone, Collect, Or Through The App, Otherwise, It Would Be Useless To Call To Give A Report When You Suffer An Accident At 11:00 In Thailand Since In Spain It Would Be 5 In The Morning, So No One Would Attend To You.

The Best Travel Insurance Should Also Have Early Return Coverage In The Event Of Hospitalization Or Death Of A Family Member. Luckily, I Have Never Needed It, But I Know Cases In Which This Circumstance Has Occurred And They Have Seen “Hard Times” To Return, And All For Not Having Contracted Some Of The Best Travel Insurance.

Another Factor To Take Into Account Is The Loss And Refunds Of Luggage, Especially If Your Invoice, As Well As The Theft Since You Never Know What Can Happen Even In The Safest Cities.

Two Coverages That Also Seem Very Important To Me And That The Best Travel Insurance Should Contain Are Cancellation And Interruption Of The Trip Due To Various Circumstances, And The Cancellation Of The Trip For Reasons Such As Health Problems, Job Dismissal, And Even For Being Selected For A Polling Station, You Never Know, Elections Are Very Fashionable Lately!

On The Other Hand, The Best Travel Insurance Is Contracted To Make Our Lives Much Easier, So If You Need Them, Do Not Ask You To Advance The Money. 

You Should Bear In Mind That With The Opening Of Borders In Some Countries, Strict Sanitary Measures Have Been Taken That We Must Comply With For Our Safety And That Of All. Among Them, Traveling With A Pcr Test Was Carried Out In The Previous 72 Hours.

Their Prices Are Very Expensive Since They Range Between $ 120 And $ 240.

Now Various Travel Insurance Companies Apply A Series Of Discounts, For Which The Test Will Cost You $ 90 With Mondo And Chapka, And $ 94 With Iati.

Finally Tell You That If You Belong To The Schengen Territory And You Are Going To Travel Within Europe, It May Not Be So Relevant To Take Out Travel Insurance, Since With The European Health Card You Can Be Treated Within The Schengen Area, However, You Will Have To Adjust To The Care Policies Of Each Country So It Never Hurts To Have Good Travel Insurance Contracted, Even If It Is Basic.

  • You Can Request Your Health Card On The Social Security 
  • Website: Application For The European Health Card

Also you can read this article Best Tactical Gloves

Covid-19 Coverage Of The Best Travel Insurance ( Update December 2020)

Until Now With The Best Travel Insurance, The First Medical Assistance Was Always Covered But, In Case Of A Coronavirus Diagnosis, The Treatment Was Not Covered.

Currently, Most Of The Insurances That Appear In This Article Include Coverage For Covid-19.

Covid-19 Coverage Seguros Mondo

  • All Mondo Insurances Have The Following Covid-19 Coverages: Medical Assistance, Even In The Event Of Contagion By A Coronavirus, Including The Test If Necessary.
  • Coverage Of Extended Stay In A Hotel For Medical Quarantine Included.
  • Also, All Your Travel Insurance With Cancellation Includes The Cause Of Illness Or Death Of The Traveler Or A Family Member Due To Covid-19. The Great Advantage Is That You Can Hire It At Any Time, Without A Limit Of Days.

Covid-19 Coverage Intermundial Insurance

  • At Intermundial Some Of Their Best Travel Insurance Include Extension Of Stay At Destination If The Insured Becomes Infected With Covid-19 During Their Trip (Up To $1,200), Or Reimbursement Of Expenses For Carrying Out A Pcr Test If A Doctor Performs It At Their Destination.
  • Also, If The Insured Person Tests Positive For Covid-19 Before Traveling, They Can Recover Up To $ 2,000 Of The Total Reservation.
  • Now Intermundial Also Includes In Most Of Its Insurances The Possibility Of Modifying The Travel Insurance Coverage Dates, As Many Times As Your Plans Change And Even Giving 2 Hours , Intermundial Has Launched Totaltravel Passport, Complete Travel Insurance Against Covid-19, For Any Getaway Or Vacation Of Up To 34 Days With Which You Will Meet The Different Entry Requirements Requested At Destination Since It Includes The Completion Of A Pcr Test Before The Trip. Also, If The Result Is Positive And The Traveler Has Taken Out The Cancellation Insurance, He Or She Can Recover The Cancellation Costs.
  • Another Of The Great Advantages Of This Insurance Is That It Is The Only One That Includes The Cancellation Of The Trip For Up To Two Companions And Minors Enrolled In The Same Policy And For The Same Trip.
  • For More Information And Hiring You Can Access This Link To The Intermundial Website.

Covid-19 Coverage Iati Insurance

  • Iati Travel Insurance Has The Following Coverage: It Includes In All Its Insurance Medical Expenses, Hospitalization, Medical Transport, And Repatriation Due To Coronavirus, Including The Pcr Prescribed By Health Professionals In Case The Insured Presents Symptoms Compatible With The Disease.
  • Their Travel Insurance Also Covers Hotel Expenses Caused By The Extension Of The Insured’s Stay To Comply With The Quarantine Required By Covid-19 Prescribed By Medical Professionals, For The Maximum Period Specified In Each Policy (Between 10 And 14 Days).
  • Also, Their Insurances, For Trips Originating In Spain, Cover The Cancellation Of The Trip If The Insured, Their Parents, Or Children Test Positive.

Covid-19 Coverage Chapka Insurance

  • Chapka Offers Some Of The Best Travel Insurance With The Following Coverages: Medical Expenses And Hospitalization In New Hires And Insurance Contracted Before March 11, 2020.
  • Regarding Cancellation, Your Cap Cancellation And Cap Explorer Insurances Include The Cancellation Guarantee In Case You Cannot Travel Due To Covid-19.

What Are The Best Travel Insurance For The Year 2020?

Among The Various Insurance Companies, The Ones That I Consider Offer The Best Travel Insurance Are The Following.

  • Mondo: This Is The Insurance That I Use On My Trips As It Is One Of The Best Coverage Offers.
  • Intermundial: An Insurance With Very Good Coverage But Somewhat High In Price.
  • Iati:  A Very Popular Insurance In The Travel Blogger World, With Good Coverage And Price.
  • Chapka: An Insurer That, Despite The Rudimentary Nature Of Its Website, Offers Good Insurance, Although At Prices Higher Than Those Of Mondo And Iati.

For The Preparation Of This Article, I Have Not Only Done Amazing Research Work Comparing A Lot Of Insurances, But I Have Also Drawn On My Own Experience.

For Many Years I Have Tried The Travel Insurance Of Many Insurers, Something That Has Helped Me To Compare And Choose The Ones That I Consider Offering Better Conditions For Also, Thanks To Certain Agreements, If You Contract Your Travel Insurance Through This Blog, You Will Benefit From A Series Of Discounts That You Will Not Find On Other Websites: A 5% Discount In Mondo, A 20% Discount In Intermundial, A 5% On Iati Travel Insurance And A7% On Chapka Insurance.

Mondo Travel Insurance, A Young Company That Is Going Strong

Mondo Is One Of The Companies That Has Broken Into The Market With The Greatest Force, Offering Some Of The Best Travel Insurance, With Which It Is Making A Gap Among Travel Blogs, Including Mine Since It Is The One I Use. They Are Not An Insurer To Use, But An Insurance Brokerage, Intermediaries Of Companies Such As  Arag, Axa, Or Zurich, Among Others.

A Great Advantage Of Mondo Is That It Has A Free Travel Assistance App To Manage Possible Incidents Through A 24-hour Medical Chat, Free Assistance Call (Over The Internet), And Incident Management.

 

Also, One Of The Reasons That Make This One Of The Best Travel Insurance For Citizens Of Latin America, Is That This Is One Of The Few Insurers That Offers Insurance With The Same Coverage And Prices As For Spanish Citizens.

Of The Various Insurers They Work With, They Offer Different Models Of The Best Travel Insurance That Are Classified As:

Travel Insurance

To Ensure Your Vacation And Travel With Complete Peace Of Mind.

Annual Multi-trip Insurance

Coverage For All Trips Of Up To 120 Days Each.

Trip Cancellation Insurance

It Ensures The Cancellation Costs Of Your Trip In Case You Finally Cannot Travel For 39 Different Reasons.

New Travel Cancellation Insurance Due To Force Majeure

Innovative Travel Insurance That Offers A Lot Of Flexibility When It Comes To Recovering The Cost Of Travel Reservations That You Cannot Enjoy Since It Allows Cancellation For Any Cause That Arises After Contracting The Insurance And It Is Not Necessary To Justify The Cause.

It Includes The Possibility Of Canceling The Insurance If You Fall Ill With Covid-19 Or A Family Member Dies For This Reason.

Long-distance Travel Insurance

One Of The Best Travel Insurance, Very Flexible Since Travelers Can Expand And Renew Depending On The Evolution Of Their Trip, From Anywhere In The World. Ideal For One-way Ticket-only Travelers, Backpackers, Students, Or Ex-pats. It Is A Unique Product In The Spanish Market That Offers Good Coverage At A Very Good Price. Also, Since July 2020 The Coverage For Medical Expenses Is Extended Up To $ 300,000.

Limits Mondo Travel Insurance Coverage

  • Global Coverage
  • 24-hour International Medical Assistance
  • Medical And Health Expenses:  Up To $ 1,200,000
  • Repatriation:  Unlimited
  • Lost Luggage: Up To $ 3,000
  • Theft And Damage To Luggage:  Up To $ 3,000
  • Early Return:  Unlimited
  • Refunds For Transport Delay And Loss Of Services:  Up To $ 3,000
  • Family Scrolling: Unlimited Scrolling
  • Cancellation With Refund:  Up To $ 6,000 (Up To 39 Causes Of Cancellation)
  • Civil Liability: Up To $ 60,000
  • Accident Compensation:  Up To $ 50,000

Intermundial, One Of The Leading Insurers In The Sector

Intermundial Is One Of The Companies That Offer The Best Travel Insurance On The Market. It Is A Spanish Company Backed By Years Of Experience, And Which Offers Insurance For All Types Of Trips.

It Is Also One Of The Insurance Companies That Offer The Broadest Coverage, Which Is Why It Is Recommended By Many Travel Bloggers.

The Different Types Of The Best Travel Insurance Offered Are:

Totaltravelmini

The Essential Travel Insurance That Protects You On Trips Of Up To 90 Days. With A Huge Coverage Of Medical Expenses Of Up To $ 200,000.

Totaltravel

This Is One Of The Best Travel Insurance On The Market For Value For Money. It Is Designed For Trips Of Up To 90 Days. 8 Travel Insurance In 1.  With Coverage Of Medical Expenses Of Up To $ 500,000. Perfect Travel Insurance For The United States And Countries Like Japan, Canada, And Southeast Asia.

Totaltravel Premium

The Most Demanding Insurance For Notice Before Starting It, Being Able To Postpone The Start Of It Until 12/31/ 2021.

Trips Of Up To 90 Days Around The World. With This Insurance, You Will Travel With Complete Peace Of Mind. With Coverage Of Medical Expenses Of Up To $ 1,000,000. This Insurance Is The One That Offers The Largest And Widest Coverage On The Market.

Totalsport

It Is One Of The Best Multi-sports Travel Insurance That Always Protects You While You Practice Extreme Sports And Other Adventure Activities. Also, By Having Travel Coverage, It Covers Your Experience 100% All Over The World.

Total Travel Passport (Launched In December 2020)

The Most Comprehensive Travel Insurance Against Covid-19 For Getaways And Vacations Of Up To 34 Days Includes The Pcr Test Before The Trip, A Requirement That Many Countries Today Require.

If You Have The Bad Luck That It Is Positive And You Have Taken Out The Insurance With A Cancellation Guarantee, You Will Be Able To Recover The Cancellation Costs Up To A Maximum Of $ 2,000.

Other Features Of This Covid-19 Travel Insurance Are The Following:

  • Includes The Cancellation Of The Trip For Up To Two Companions And Minors Enrolled In The Same Policy And For The Same Trip.
  • In Case Of Contagion By Covid-19, You Will Have Medical Expenses Covered Up To $ 150,000.
  • It Includes The Possibility Of Extending The Expenses Of Extension Of Stay For Covid-19 Up To The Limit Necessary To Access The Country Of Destination.
  • In Case Of Testing Positive For Covid-19 And Having Received Assistance At The Destination And The Extension Of Stay For Said Disease, If The Traveler Has Lost Their Return Transport, Intermundial Will Be In Charge Of Managing It.
  • It Allows You To Modify Your Insurance Coverage Dates As Many Times As Your Travel Plans Change

Intermundial Also Offers The Possibility Of Contracting One Of The Best Annual Travel Insurance, In Case You Travel Several Times A Year.

Limits Interworld Travel Insurance Coverage

  • Global Coverage
  • 24-hour International Medical Assistance
  • Medical And Health Expenses: Up To $ 1,000,000
  • Repatriation: $ 1,000,000
  • Lost Luggage: Up To $ 2,500
  • Theft And Damage Of Luggage: Up To $ 2,500
  • Early Return: Up To $ 1,000,000
  • Refunds For Transport Delay And Loss Of Services: Up To $ 400 And $ 750 Respectively.
  • Family Travel:  Up To $ 1,000,000
  • Cancellation With A Refund:  Up To $ 5,000. You Can Cancel For Up To 37 Different Causes, Including Health Problems For You Or Your Family Up To The 3rd, Work Or Study, Force Majeure, Theft Of Documentation, Your Companion Canceling The Trip, Etc.
  • Civil Liability: Up To $ 80,000
  • Accident Compensation:  Up To $ 30,000

The Insurer Of Many Travel Bloggers

Iati Is Another Of The Companies That Offer Some Of The Best Travel Insurance, Highly Focused On Tourism Trips, And With A Great Tradition In The Blogger World. It Is A Brokerage That Works Mainly With Insurers Such As Arag.

Some Of The  Best Travel Insurance For Iati Are:

Iati Basic

Cheap Travel Insurance Designed For Trips Of Up To 30 Days. It Is A Very Basic Policy, With A Capital Of Medical Expenses Of $ 50,000, Which Covers A Minimum Of Medical Assistance And Other Basic Coverage.

Iati Standard

Travel Insurance With Intermediate Coverage For Medical Expenses, $ 200,000, And Other Complementary Coverage Such As Repatriations, Theft, And Damage To Luggage, The Advance Of Funds, Etc.

Iati Star

Good Travel Insurance With Medical Coverage Of $ 350,000, Specially Designed For Trips To Countries With High Medical Costs, Including Optional Cancellation Insurance With Coverage Of Up To $ 2,000.

Iati Star Premium

Travel Insurance With $ 500,000 Medical Coverage, Suitable For Countries Such As The United States, Canada, Or Japan. It Also Includes $ 2,500 Baggage Cover And $ 5,000 Cancellation.

Iati Backpacking

One Of The Best Travel Insurance If You Practice Adventure Sports. It Combines High Medical Coverage Of Up To $ 250,000 With The Classic Coverage, Covering More Than 60 Sports And Adventure, Search And Rescue Activities. You Can Even Dive Up To 20 Meters Deep Or Do Great Trekking Up To 5,400 Meters High. This Policy Also Offers Coverage For Cancellation Expenses Of Up To $ 2,000, If You Cannot Go On A Trip For Any Of The Reasons Set Out In The Said Policy.

New Iati Getaways Travel Insurance

For The Summer Of 2020, Iati Has Launched A Travel Insurance Adapted To The Times For Your Trips To Spain And The Rest Of Europe, Which Includes:

  • $ 50,000 Of Medical Expenses With Comprehensive Coverage For Covid-19, And A Stay In The Hotel For 14 Days To Cover The Quarantine.
  • Telecare, So You Don’t Have To Travel.
  • Everything You Need For Your Road Trips: Theft Coverage Even In Motorhomes And Campers Or In The Trunk Of Your Car, Replacement Vehicle, Or A Professional Driver.
  • Coverage For The Most Common Adventure Sports And Cycling.
  • All The Cares In The World Also For Your Furry Ones (Not Children But Pets)
  • Optional Cancellation Insurance With Coverage For Layoffs By Ere.

All For A Price From $ 0.50 Per Day Hiring Through This Link.

Also, Iati Has Insurance For Bloggers And Large Travelers With Coverage Of Up To $ 200,000 And Family Insurance With Medical Coverage Of $ 200,000, Pediatric Telephone Assistance, Immediate Emergency Assistance For Children, And Repatriation Assisted By A Family Member Within 24 Hours If Something Happens To A Parent Or Child Civil Liability Especially High. It Also Has Cancellation Insurance Of Up To $ 6,000.

Limits Iati Travel Insurance Coverage

  • Global Coverage
  • 24-hour International Medical Assistance
  • Medical And Health Expenses:  Up To $ 500,000 (There Is A New Premium Version With $ 500,000 Coverage)
  • Repatriation:  Unlimited
  • Lost Luggage:  Not Included
  • Theft And Damage To Luggage:  Up To $ 2,500 In The Premium Version
  • Early Return:  Unlimited
  • Refunds For Transport Delay And Loss Of Services:  Up To $  350
  • Family Scrolling: Unlimited Scrolling
  • Cancellation With Refund:  Up To $ 2,000, $ 5,000 In The Premium Version And Up To $ 6,000 In Cancellation Insurance
  • Civil Liability: Up To $ 60,000
  • Accident Compensation:  Up To $ 18,000

Chapka Travel Insurance, A Large Multinational

Chapka Insurance, Named After The Typical Cap With Ear Flaps Worn By Russians, Is A French Insurance Broker Specializing In Some Of The Best Travel Insurance Since 2002, In Association

Created To Make Travel Insurance Accessible To Everyone, This Company Adapts Its Insurance To The Needs Of Individuals And Tourism Professionals.

Since 2017, When It Settled In Spain, This Insurance Broker Has Not Stopped Growing As It Offers Some Of The Best Travel Insurancefrom The Market. Also, In January 2019 It Became Part Of The Aon Group, The First Insurance Broker In The World.

Your Best Travel Insurance Are The Following:

Cap Adventure

For Trips Of More Than Three Months Around The World.

Up To $ 1,000,000 Of Covered Medical And Hospital Expenses.

Cap Assistance

One Of The Best Travel Insurance For Getaways Of Less Than Three Months, Perfect For Vacations With Friends, Alone, Or With Family. Up To 500,000 Euros Of Covered Medical Expenses And A 15% Discount If You Travel With A Minor.

Cap Cancellation

To Protect Your Vacation Budget In The Event Of Cancellation For Any Justifiable Reason, Such As Theft Of Identity Documents Or The Cancellation Of Your Vacation By Your Employer.

Cap Working Holiday

For Spaniards Who Go With A Working Holiday Visa To Live In Australia, Canada, Japan, New Zealand, Or South Korea. It Covers You Both During Tourist Activities And Works.

Volunteering Cap

To Protect Travelers Who Are Going To Volunteer Abroad. It Covers Both During Tourist Activities And During Volunteering Itself.

Multi Travel Cap

Annual Insurance That Covers All Trips Of Up To 90 Days. It Exists In Individual, Couple, Or Family Formula.

They Also Offer Other Very Specific Insurances, Such As Cap Student (For Students), Cap Au Pair (For People Who Are Going Au Pair), Or Cap Tempo Expat (For Expatriates).

Limits Coverage Of Chapka Travel Insurance

Global Coverage Notice Before Starting It, Being Able To Postpone The Start Of It Until 12/31/ 2021.

  • 24-hour International Medical Assistance
  • Medical And Health Expenses:  Up To $  5,000
  • Repatriation:  Actual Expenses

Lost Luggagnotice Before Starting It, Being Able To Postpone The Start Of It Until 12/31/ 2021.

  • E: Up To $  3,000
  • Theft And Damage Of Luggage:  Up To $  3,000
  • Early Return:  Actual Expenses
  • Refunds For Transport Delay And Loss Of Services:  Up To $  250
  • Family Travel: Plane Tickets / $ 80 Per Night (Maximum 10 Nights)
  • Cancellation With Refund:  Up To $ 8,000
  • Civil Liability: Up To $ 4,500,000
  • Accident Compensation:  Up To $ 50,000.

Comparison Of Coverage Of The Best Travel Insurance

In The Following Table, I Have Made A Comparison Of The Top Insurances Of The Various Insurers. As You Will See, These Companies Offer The Best Travel Insurance On The Market, But There Are Some Differences Between Them, With Intermundial Being The Insurer With The Best Medical Coverage, Loss Of Luggage And Delay Of Services, While Mondo Is The One That Offers The Best Coverage For Luggage Damage And Cancellation, It Also Offers Extraordinary Medical Coverage And The Best Communication With The Client. Although Iati Has Somewhat Low Accident Compensation And Luggage Loss Coverage Not Included, It Has Great Coverage For Medical Expenses. On The Other Hand Chapkain Addition To A Huge Medical Coverage, It Can Boast Of Having The Highest Amounts For Cancellation And Civil Liability Insurance.

Update 2020: Since 06/07/2020, Mondo’s Medical And Health Expenses Have Been Increased To € 1,200,000, Which Is Why It Is Consolidated Together With Intermundial, Iati, And Chapka, As One Of The Best Travel Insurance.

In Addition To Knowing Which Are Notice Before Starting It, Being Able To Postpone The Start Of It Until 12/31/ 2021.

Conclution:

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