Consumer columnist and West Hartford resident Harlan Levy has more than 20 years of experience writing about everyday experiences that anyone may encounter.
Highlights of our trip to Japan included a quirky Japanese pig cuddling shop.Provided by Harlan Levy
Written by Harlan Levy
High season for travel is just around the corner, and all predictions are for record backlogs to be released once we get through the pandemic. So, consider travel insurance in case of airline delays or cancellations, vacation mishaps, medical emergencies, lost baggage, road accidents, or any other mishaps that could or might ruin your plans. There is an obligation to consider joining.
In Nara, a sacred deer lives in its own park and happily eats deer rice crackers.Provided by Harlan Levy
We (i.e. my wife, the ultimate concierge and travel planner) spent several intense days over the past two weeks researching insurance options before making the last-minute decision to visit Japan. We will explain the results and provide advice. If something goes wrong, we'll have an unforgettable, unforgettable experience that includes cherry blossoms, Mt. I may not have been able to have the experience that I had.
Here's what I learned from extensive online research from Business Insider, Upgradepoints.com, SquareMouth, ForbesAdvisor, and more, among others.
This is a special dish prepared especially for us by the chef.Provided by Harlan Levy
Comparison of credit cards and standalone travel insurance
Although stand-alone travel insurance policies generally provide more coverage than premium credit card travel insurance, which covers delays, lost baggage, rental car collisions, and other unforeseen events at no additional cost. , exact coverage varies by credit card. Typically, only travel booked with that card will be covered. With some exceptions, credit cards generally do not cover medical emergencies or injuries unless they are fatal. For example, Chase Sapphire Reserve provides up to $1 million in coverage for accidents that result in loss of life, speech, hearing, or use of hands, or other life-altering injuries. Other cards that offer protection include the Platinum Card from American Express, the Bank of America Premium Rewards Credit Card, and the United Club Infinite Card. Most cards with travel benefits have an annual fee. Credit card coverage limits are also typically much lower than standalone insurance offers. Credit card coverage often covers only up to $10,000 per trip, while travel insurance typically covers up to $100,000.
Stand-alone coverage covers costly medical emergencies, hospital visits, evacuations, and may even cover cancellations without cause (cancellation for any reason), but credit cards typically don't. Since you don't have health insurance when you're out of the country, and a broken arm from a fall or heart attack can be financially devastating, you need a stand-alone option that can cover your financial losses. , as evidenced by a medical bill, clinic receipt, or doctor's note.
Some travel insurance policies also offer epidemic cover to cover customers who contract COVID-19 or a future pandemic, are ordered to isolate individually, or are denied boarding due to suspected illness. I am.
Credit card insurance is usually included in the price of the card, but traditional travel insurance is an additional cost, typically 5% to 6% of the trip amount (although charges can range from 4% to 12%). Masu.
Compare travel insurance quotes from multiple providers using Squaremouth, Trustpilot.com, and BBB.
our conclusion
After doing all our research, we decided to purchase independent insurance and agreed to the cost and coverage from the most reputable companies: ALLIANZ, Tin Leg (yes, the real company), and AARDY. We compared. Shown in the table below.
| allianz basic | classic | Tin Leg STD | tin leg gold | Aadi | |
| Fee: | $1,066 | $1,419 | $738 | $1,090 | $981 |
| cancel: | 100% | 100% | 100% | 100% | 100% |
| interrupt: | 100% | 150% | 150% | 150% | 150% |
| Medevac: | $50,000 | $500,000 | $200,000 | $500,000 | $250,000 |
| emergency
Med & Dent: |
$10,000 | $50,000 | $30,000 | $500,000 | $100,000 |
| lost baggage: | 500 dollars | $1,000 | 500 dollars | 500 dollars | $1,500 |
I went with Aadi.
Note: We were advised to bring local money with us when traveling abroad, so we purchased each for $250 in yen at JFK Airport in New York. I could have bought yen from a local bank, but it would have taken three or four days. We also found that when you use a debit card in Japan, debit card fees are as low as 1% of each transaction ($1 for every $100). So, if you are leaving the country, check the fees on your debit card.
You get it now. Happy trails!
This is the world's largest Buddha statue located in Nara.Provided by Harlan Levy
Highlights of our trip to Japan included a bizarre Japanese pig cuddling shop.Provided by Harlan Levy
This is a special dish prepared especially for us by the chef.Provided by Harlan Levy
Note: If you have a consumer issue, please contact us at: [email protected] (Subject: “Consumers”) And with the help of the press, I may be able to help.
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