The Best Travel Insurance Coverages for 2023

We now know better than ever that worldwide travel can shut down suddenly, without a lot of advance warning.

And it’s not just disease epidemics that are to blame. Natural disasters continue to take on near-pandemic proportions, and if some scientists’ views of the future are correct, there may be a harbinger of things to come.

Because travelers ought to be much more aware of the fragility of travel moving forward, Trip Cancellation coverage is shaping up as a must-have for travel in 2023 and beyond. Trip Cancellation coverage may provide reimbursement for unused, non-refundable prepaid trip costs if a traveler has to cancel their trip for a covered reason.

Its kindred coverage, Trip Interruption coverage may provide reimbursement for certain unused prepaid costs or out of pocket costs, if a traveler has to interrupt a trip they’re already on for a covered reason.

Trip Cancellation and Trip Interruption coverage have always been two of the major reasons for buying travel insurance. Now they’re more important than ever.

Weather and natural disasters are more likely than ever to cause problems with travel plans. An irregular return to full travel capacity could make rebooking more of a challenge.

Travel Delay and Trip Interruption coverages work well together and will be a vital part of travel insurance moving forward. Between the two benefits, if travel is delayed or interrupted due to a covered event, travelers may be reimbursed for certain necessary expenses during their delay and catch back up with their travel plans when the delay is over.  That could mean reimbursement for an unplanned hotel stay and food, arranging a flight to a port of call to meet a cruise, or rebooking flights to cover a missed connection and more.

Both coverages are included with Generali Global Assistance travel insurance plans.

This benefit is easy to understand and included with our Guest Protect, Ski & Mountain, and Seaside Coastal Travel Insurance Plans. 

Given what we’ve learned about health and travel recently, it seems like a wise thing to have. And, you can rest easy knowing our plans provide coverage if a traveler, family member, or a traveling companion become ill with COVID-19 and plan requirements are met.

Similarly, the prudent travel decision for 2023 and beyond includes choosing a plan with a significant amount of coverage for Emergency Assistance and Transportation coverage.

A recent New York Times story discussed the expense of medical evacuation in the midst of a pandemic and noted a $200,000 bill for a relatively simple air evacuation.

Medical evacuation is getting more complex and expensive – and it’s not something to take lightly. Travel insurance is the best added protection against the expense and inherent difficulties of an emergency evacuation.

The New York Times story also cited a cost of more than $11,000 of associated expenses with the evacuation mentioned above, with a good chunk of that money going to recover and return luggage.

It’s natural to overlook baggage issues when people’s lives are on the line, but it’s a fact that luggage damage and loss will continue to be an issue, especially as people travel with more stuff than ever.

While it’s usually best to take out riders on your homeowner’s or renter’s policy to cover expensive individual items while you travel, Baggage and Baggage Delay coverage as part of a travel insurance plan can help pay for lost, damaged, or stolen baggage and its contents. Baggage coverage is included with our Guest Protect, Ski & Mountain, and Seaside Coastal Travel Insurance Plans and Baggage Delay is included with all of our travel insurance plans.

Who knows what 2023 has in store? For trips in the year ahead, travel insurance from Generali can help protect against the unexpected.