The Itinerary

6 Reasons Why Travel Insurance Is Worth It in 2020

Posted Aug 12, 2020 10:32:14 AM in Travel Insurance Tips by Amanda Hand

Do you take a good, hard look at travel insurance when planning a trip?

You should. Travel insurance that provides great coverage for your trip can make all of the difference.

Without it, things can get messy – and it's impossible to make up for a lack in coverage after a medical emergency or cancellation has occurred. That's why buying a plan that meets your needs should be at the top of your to-do list when booking travel.

Now, let's get into 6 reasons why travel insurance is worth it in 2020 – no matter where you plan to travel.


Whether you go through Airbnb or a rental agency, cancellation fees can be strict and costly. Travel protection plans can include trip cancellation coverage, so if you cancel for a covered reason within your plan, your loss can be reimbursed. 


Hurricane season runs from June 1st until November 1st every year. It’s an unpredictable time that impacts the coasts of the Caribbean as well as the United States.

A travel protection plan with trip cancellation coverage for hurricane warnings can help. Imagine that you’ve rented a beach house in Ft. Lauderdale. You spend $3,000 for a week-long rental for you and family. Nothing is going to get in the way of utter relaxation. The kids fighting? That will mean nothing when you’re laying on the beach basking in the sun.

But what if there’s a hurricane warning issued by NOAA …

Travel protection plans with trip cancellation that covers hurricane warning can help you get a full refund of your nonrefundable and prepaid travel expenses, including those vacation rental fees.


The pandemic is changing the way we view travel. Europe has temporarily banned Americans from visiting, and some of us just aren’t ready to hop on a plane and head to our favorite islands and on amazing cruises.

However, many of us are ready to begin planning an adventure for 2021 or even in 2022. People are booking travel accommodations farther in advance than ever before. Purchasing travel protection when you know you have a trip a year away is a good idea. When you buy our Classic Plan within 21 days of the date your initial trip deposit is received, you are eligible for the Cancel for Any Reason benefit.

We don’t know what the future holds for travel, especially as we learn to live with the current pandemic. However, travel protection can provide important benefits like cancel for any reason.


My credit card offers travel protection when I use it to book a trip. That’s all I need, right? Not necessarily. Not all travel credit cards operate the same, and some may offer limited protections. 

Things like the waiver of pre-existing medical conditions, non-medical emergency evacuation, and cancel for any reason may not be included in the travel protection included with your credit card company. Our travel protection offers great benefits and broad coverage, giving you the option to purchase benefits that may not be included in your credit card’s plan.

Additionally, not everyone traveling with you may be covered by the credit card. It may only cover the cardholder. That means your family and loved ones traveling with you might not have coverage, leaving them exposed to risk.  


Travel protection offered by cruise lines may not cover your independently booked travel arrangements.  This means that if you have to cancel your cruise vacation, expenses for excursions or hotels that you have booked outside of the cruise ship may not  be reimbursed. 

Travel protection offered by cruise lines usually will not cover cancellations due to the cruise line’s own potential bankruptcy. That means, if the cruise line goes bust, you might not get a single penny back. Third-party travel protection with coverage for bankruptcy of the travel supplier is your best bet in regards to this. Also, do yourself a favor and look for a plan that doesn’t have any supplier white or black lists, meaning more coverage.


Non-medical emergency evacuations are one of the lesser-known benefits that can be included in a travel protection plan. That is, until you need it. Political and civil unrest is a covered reason for non-medical evacuation in our Classic Plan. We’ve seen it in times of political unrest in Egypt and Greece.

Disclaimer (will be a hyperlink embedded in the page footer): This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2020. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain noninsurance Travel Assistance Services provided by Seven Corners, Inc. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. Your travel retailer may be compensated for the purchase of a plan. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact TravelSafe Insurance dba Chester Perfetto Agency, Inc. 40 Commerce Drive, Wyomissing, PA 19610; 800-523-8020;; California Agent License #OC32142.