This winter, travel is expected to peak at numbers not seen since before the pandemic. Over 100 million passengers are expected to travel over Christmas and New Year’s in the U.S. alone. That means likely a lot of travelers are out of practice on what they might need for their trip, including attestation forms, possible tests depending on the country they are flying to, and most importantly, travel health insurance.
Travel insurance is something every traveler should have, whether there is a global pandemic or not, but especially during times like these when travel can become seriously interrupted due to the virus.
Every passenger should ensure they have coverage that includes medical care if they contract the virus while abroad, accommodation coverage in the case they are required to quarantine, and trip interruption insurance should they become sick before the trip even starts.
As travel writers, we’ve seen our fair share of insurance products and providers, but there is one in particular that stands out from others, HeyMondo. It’s the same travel health insurance we’ve been using throughout the pandemic when this job takes us abroad and we want to have enough coverage.
Here’s what HeyMondo specifically covers, and why it’s a great travel health insurance to cover your trip, especially in regards to Covid and Omicron in particular.
Medical expenses, like hospital stays and prescribed treatments, are covered if you are infected with Covid-19 while abroad. This takes a lot of the fear out of being abroad when you know you’re covered in the event you test positive and need medical care. If you are traveling to a country where the Omicron variant is prevalent, this will give you some peace of mind.
PCR Test Coverage:
If a doctor medically prescribes you need a PCR test, this insurance will cover the costs of those expensive tests, which can easily be $100-$300 apiece.
Accommodation Costs Due to Quarantine:
One of the biggest fears of travelers is, “What if I get covid abroad and have to quarantine for 10-14 days? Who will pay for the accommodation costs?”
HeyMondo has a ‘Lodging expenses due to convalescence’ clause which provides accommodation coverage in the case that you test positive and are being ordered by a doctor to quarantine. The coverage will provide accommodation costs up to $2,250 USD.
In the event that you contract the virus before leaving for your trip, there is cancellation insurance available on every policy that will reimburse you for any pre-paid and non-refundable elements of your trip, like flights and hotels. This includes you personally contracting the virus, or a close family member getting sick before your trip starts. Many of our readers are located in the U.S. which is currently seeing a surge in Omicron, so having cancellation coverage in the case of infection before the trip is a prudent idea.
24/7 Doctor Chat:
One of our favorite features is the 24/7 doctor chat on the app. Let’s say you’re abroad and you think you might be sick but want to talk about your symptoms with an actual doctor first before heading out to find a local doctor. With the chat feature, you can get some advice from the comfort of your hotel room before determining if you need to take a trip to the hospital or not.
Some travelers think they have a good policy with covid-related coverages, but in reality, they have a policy with a huge deductible, meaning they have to pay a certain amount on top of the cost of their policy if they become ill and want to make a claim. With HeyMondo’s single trip policies, there is no deductible.
Non-Covid Related Coverages:
While all the above features are given as examples of how coverage works for Covid, the coverage is in effect for non-covid related illnesses too. Travel health insurance covers you for things that might happen on your trip like falling down and breaking a bone, losing your luggage, or to compensate you for a delayed flight.
Some of the non-covid related coverages include:
- Up to $10,000,000 coverage of medical and hospital expenses
- Up to $500 if your luggage is delayed
- Up to $800 for passport and travel document replacement due to loss or theft
- Up to $1000 for missing a connecting flight
- Up to $7000 for trip cancellation or $4500 for trip interruption
- Up to $1250 in accommodation or transportation due to natural disasters
- Optional coverages for cruises, higher-risk sports activities, and even cellphones, laptops, and camera gear
The fine print of travel health insurance
We personally find that HeyMondo doesn’t have as much confusing fine print as some of the major carriers and generally it’s very easy to understand. They cover any traveler worldwide under 69 years of age, taking a trip outside of their home country. (For those 70 and over, we recommend using this travel insurance provider)
Anyone looking to get coverage can always read the fine print on HeyMondo’s website to get the full scoop.
This post is not sponsored by HeyMondo and yes, we are actual users of their travel insurance. As Canadian travelers, we know how expensive medical care can be when visiting the U.S. and Europe so we’ve personally used HeyMondo during the pandemic when we’ve visited the United States, Italy, Germany, and other countries. This post does contain an affiliate link for HeyMondo which means we may receive a small commission (at no extra cost to you!) if you choose to purchase through them, plus you get a 5% discount on their policies.
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This article originally appeared on TravelOffPath.com