USAA Travel Insurance Review 2024
USAA Travel Insurance Review 2024, Through a deal with trip Insured International, USAA can sell trip insurance. Forbes Advisor’s list of the best travel insurance policies includes the Worldwide Trip Protector at the top of the list.
When compared to other top-rated plans, this one has better features at a lower cost. It offers better coverage for non-medical evacuations and trip canceling benefits for people who are deployed or reassigned. There are also a number of extra add-ons that can help protect your finances even more.
What Does USAA Travel Insurance Cover?
USAA’s travel insurance policies—offered in partnership with Travel Insured International—package together valuable benefits that can compensate you when the unexpected derails your trip.
Trip cancellation insurance: Trip cancellation insurance reimburses you for prepaid and nonrefundable trip expenses if you need to cancel your trip for a reason listed in the travel insurance policy.
Travel medical insurance: Travel medical insurance pays for the cost of emergency medical care if you get sick or injured while traveling. Some of the expenses that are typically covered include hospitalization, prescription medication and surgery, up to your policy’s limit.
Emergency medical evacuation: If you get sick or injured during your trip and require care beyond what’s available locally, emergency medical evacuation insurance can pay for medevac transportation to the nearest adequate medical facility, up to your policy limits.
Travel delay insurance: Travel delay insurance pays for expenses such as accommodations and meals if your trip gets delayed due to a reason listed in your policy. It also lets you recoup prepaid, nonrefundable costs for things like a hotel stay and guided tour if you miss a portion of your trip because of the delay. Note there are required waiting periods, such as six hours.
Travel interruption insurance: Trip interruption insurance pays for a flight home if you need to leave early because of a problem listed in your policy. You can also get reimbursed for the money you lose on nonrefundable deposits paid in advance for activities you miss.
Baggage and personal effects: Baggage insurance reimburses you for the depreciated value of your luggage and personal items if your baggage gets lost, stolen or damaged during travel. If your bags show up late, baggage delay can pay for the personal essentials you need, like toiletries, up to your policy’s limit. Required waiting periods apply to baggage delay benefits.
Travel Insured International has two plans for a single trip. They are called Worldwide Trip Protector and Worldwide Trip Protector Edge.
The Worldwide Trip Protector plan covers a lot more for medical costs while traveling and emergency medical transport than the Worldwide Trip Edge plan. There are also cancellation and delay add-ons for the Protector plan that you can’t get for the Edge plan.
Some of the things that these plans cover are trip interruptions, delays, hospital costs, evacuation, lost luggage, change fees, and more.
When you buy travel insurance from USAA, you can choose the Annual Multi-Trip Protector plan. This plan covers all of your trips during the policy time. It includes medical evacuation insurance for both medical and non-medical needs, as well as other common benefits after you leave the country. For an extra fee, you can get “cancel for any reason,” “travel inconvenience,” and “rental car coverage” improvements.
How much you pay for travel insurance depends on a lot of things, like your age, the length of your trip, and the type of plan you buy. These are some rates for the Worldwide Trip Protector plan from Travel Insured.
Which USAA Travel Insurance Policy Is Best For Me?
Which USAA travel insurance plan from Travel Insured International is best for you will depend on the type of trip you’re taking, the amount of coverage you want, and your budget.
Low prices and few rules
When it comes to normal types of benefits you need if something goes wrong before or during your trip, the Worldwide Trip Protector Edge fits the bill. The price is lower than the Worldwide Trip Protection package, but the coverage is not as good. It might work for you if low medical costs and emergency escape limits are enough for you. You should also look into it if you don’t mind canceling your trip for reasons other than those mentioned in your policy.
The Most Generous Advantages
If you want more financial protection than the Edge plan, the Worldwide Trip Protector insurance is a better choice. All around, it has higher range limits. The Edge plan does not cover pet kennels or non-medical evacuations. Both of these perks are yours. You can also get improvements for the Trip Protector plan that let you “cancel for any reason” or “interruption for any reason.”
For More Than One Trip
The Annual Multi-Trip Protector insurance is for people who are going on more than one trip in a year. Coverage starts 364 days after you buy the insurance and goes on for 364 days. There is no limit on how many trips you can take during your coverage time, but each trip can’t be longer than 45 days.
Optional Add-Ons for USAA Travel Insurance
USAA members can choose from a variety of add-on coverages to customize their Travel Insured International plan. Here are some of the optional upgrades available:
Additional accident and sickness medical expense: This rider allows you to increase your policy limit for emergency medical and dental care beyond what the plan typically provides.
Additional medical evacuation: This add-on will double your policy limit for medevac during your trip.
“Cancel for any reason” upgrade: This add-on allows you to cancel a trip for any reason that is not covered under your policy. “Cancel for any reason” travel insurance compensates 75% of your prepaid, nonrefundable trip costs, as long as you cancel at least 48 hours before your departure time.
Cancel for work reasons: If you need to cancel your trip due to a work-related reason, this add-on will refund you for prepaid, nonrefundable expenses.
Electronic equipment coverage: You can add electronic equipment coverage to your baggage and personal effects insurance to get coverage for certain electronics that are lost, damaged, or stolen in your luggage.
Event ticket registration fee protection: If you purchase an event ticket and can’t attend for a covered reason, this add-on will reimburse you for the money you spent.
“Interruption for any reason” upgrade: “Interruption for any reason” travel insurance reimburses you up to 75% for prepaid, nonrefundable trip expenses if you have to cut a trip short. You must cancel at least 72 hours into your trip for benefits to apply.
Rental car damage: This covers theft of your rental car and damage to your rental car due to severe weather, accidents, vandalism and other unforeseen events listed in your policy.
Travel inconvenience: With this add-on, you can recoup money for unforeseen circumstances that impact your trip, such as closed attractions, canceled events, rainy weather, tarmac delays and more.
Travel Insured International’s USAA travel insurance covers problems that have to do with Covid. If you or a travel partner tests positive for Covid, you can file a claim to cancel your trip, cut it short, or get medical help if you need it. Your insurance will also pay for medical bills linked to Covid if you get it while traveling. When we looked at the best Covid travel insurance plans, the Worldwide Trip Protector Plan got the highest score.
Yes, USAA travel insurance covers conditions that you already had, as long as you get a waiver of the medical condition restriction within the time limit. In that case, if you need medical care for a condition you already have while you’re traveling, the insurance won’t pay for it.