GoReady travel insurance review October 2022
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GoReady Travel Insurance/Insider
Travel insurance can be of the most important purchases you make before a trip. No one likes thinking about the ways things can go wrong, but the truth is that anything can happen. Travel insurance can protect you from financial loss if something goes wrong while you're away and even cover pre-paid trip costs if you have to cancel your trip for a qualified reason.
There are many different types of travel insurance, so it's important to choose the right policy for your needs. And
Travel Insurance Plans from GoReady (formerly April)
If you're looking for a single-trip plan, you'll have a few different choices:
| Pandemic Plus | Choice | VIP | Cruise | |
| Trip cancellation | 100% of the trip cost | 100% of the trip cost | 100% of the trip cost | 100% of the trip cost |
| Trip interruption | 150% of the trip cost | 150% of the trip cost | 175% of the trip cost | 150% of the trip cost |
| Emergency medical | $50K (primary coverage) | $50K (secondary coverage) | $250K (secondary coverage) | $100K (secondary coverage) |
| Pre-existing condition | Covered if purchased within 14 days of trip deposit | No coverage, pre-existing look-back period of 180 days | Included if policy is purchased prior to or within 24 hours of final trip payment | Included if policy is purchased prior to or within 24 hours of final trip payment |
| Medical evacuation and repatriation | $500K/person | $250K/person | $1 million (secondary coverage) | $250K/person (secondary coverage) |
| Travel delay | $1K ($200 daily limit, for 6+ hour delay) | $2K ($150 daily limit, for 6+ hour delay) | $1.5K ($250 daily limit, for 6+ hour delay) | $1K ($250 daily limit, for 6+ hour delay) |
| Baggage delay | $500 ($500 daily limit, for 12+ hour delay) | $200 (24+ hour delay) | $750 (24+ hour delay) | $750 (24+ hour delay) |
| Baggage and personal items loss | $2.5K ($500 per item, $500 limit for specific items) | $500 ($250 per item, $500 limit for specific items) | $2.5K | $1.5K |
| Missed connection | $250/person, coverage after 3-hour delay | $500/person (for 3+ hour delay, cruise and tour only) | $1,000/person (3+hour delay) | $750/person (3+ hour delay) |
| 24-hour accidental death and dismemberment | $10K/person | $50K ($10K/person) | $100K/person (maximum $200K per policy) | $25K/person (maximum $100K per policy) |
There's also a Trip Cancellation plan, which offers coverage for 100% of the cost of the trip but no other benefits (though you can add pre-existing condition coverage separately).
If you take multiple trips a year or travel for extended periods of time, check out GoReady's Annual/Multi-Trip plans:
Annual/Multi-Trip Preferred plan – This travel insurance plan is ideal for those who take multiple trips each year. It provides comprehensive coverage for an unlimited number of trips, including important types of protection like travel delay ($750), trip inconvenience ($200), baggage coverage ($1,000), and baggage delay ($200). In addition, the plan includes $100,000 per person for medical emergency assistance and transportation.
Annual/Multi-Trip Primary plan – If you're a frequent flyer who goes on three or more trips each year or someone who travels for 30 to 90 days at a time, this policy is ideal for you. It includes baggage coverage ($1,000), baggage delay ($100 per person, $300 policy limit), and $30,000 in initial coverage for emergency accident and sickness medical expenditures.
Additional coverage options from GoReady
Some
There are add-ons, too, like CFAR (cancel for any reason) coverage, which reimburses you 75% of your prepaid trip expenses, or "cancel for work reasons." which covers 100%. With certain plans, it's also possible to upgrade policy limits.
Depending on the play you choose, other upgrades include coverage for rental car damage, missed port of call, sporting equipment coverage, and more.
How much does travel insurance from GoReady cost?
By visiting GoReady's website and providing basic information about your trip, you can get a quote for the insurance plans available for your journey within seconds. Be sure to have information such as travelers' age and state of residence, travel dates, and total trip cost ready before beginning so that you can compare quotes accurately.
Now let's take a look at a few examples of coverage options and pricing from
Below you'll see the five options available to a 40-year-old taking a $4,000 trip to Mexico. The lowest-tier policy sells for $108, while the top-tier coverage costs $165. That's only about 3-4% of the total trip cost.
GoReady travle insurance
In this next example, you can see quotes for a 55-year-old traveler going to Spain, with a trip cost of $5,000. Policies range from $209 to $308, or 4% to a little over 6% of total trip costs.
GoReady travel insurance
As you can see, the amount you'll pay for your premium will depend on how old you are and the specifics of your trip. However, these quotes fall within the average price range when it comes to what part of your total trip cost insurance will be. No matter which company you go with, usually you're looking at paying 4-8% of your entire vacation in insurance fees.
How do I file a claim with GoReady?
To file a claim with
Compare GoReady vs HTH Worldwide
With GoReady's Choice plan, you'll get $250,000 in emergency medical assistance, 150% of trip cost in trip cancellation, $500 in baggage loss/damage coverage, and $200 for baggage delays, and you can get upgraded protection.
In comparing the two plans, you'll see that
Compare GoReady vs Allianz
Like
Allianz's most popular single-trip option is the OneTrip Prime plan, which offers trip cancellation coverage up to $100,000, trip interruption coverage up to $150,000, emergency medical coverage for $50,000, coverage for baggage loss, theft or damage up to $1,000, and travel delay coverage up to $800.
In comparison, GoReady's Choice plan offers $250,000 in emergency medical assistance, evacuation and repatriation insurance. And it comes with up to $500 in baggage loss or damage coverage and $200 if your bags are delayed. Upgraded protection is an option, too.
Compare GoReady vs credit card insurance coverage
Be sure to take a look at your travel rewards credit card's insurance coverage before buying a separate policy. Some coverages, like rental car coverage, might already be included.
Let's say, for example, you're taking a road trip and have very minimal (if any) pre-paid or non-refundable trip expenses. In that case, the coverage from your credit card will likely suffice. Or maybe your main concern is trip and baggage delay and cancellation coverage because your current health coverage covers you overseas. That's another instance where credit card insurance coverage might do the trick!
Worth noting, though, is that sometimes credit card coverage is secondary. This means you'll have to make a claim with your other applicable insurance before making a claim with your credit card company.
Methodology
When reviewing
In the end, the best policy is the one that offers an adequate amount and type of coverage depending on your needs and budget. It should also be user-friendly in case you have to make a claim sometime in the future.
Frequently asked questions
Is April a good travel insurance company?
Yes. GoReady (formerly April Insurance) gets high ratings for its customer service and customer satisfaction. It's a well-known insurance provider that has been around for a number of years.
How much does GoReady travel insurance cost?
The exact cost will depend on where you're traveling, your age, and other factors, but generally you should expect to pay between 4% and 8% of your overall trip cost to insure your trip through GoReady, or any other reputable travel insurance company.