Is Travel Insurance Worth It?

Travel insurance is often the last thing you have on your mind when planning your next trip for just yourself, with your family, or with friends.

But is travel insurance worth it?

travel insurance teddy

Travel insurance – what to look for:

Most travel insurance plans cover 2 main things: travel benefits and medical benefits. Those usually entail:

  • a refund when you need to cancel your trip due to emergency
  • covered expenses when a flight is delayed or canceled or when you miss your flight
  • compensation of expenses if your carrier loses or delays your luggage
  • Coverage of expenses for any medical or dental emergency during your trip
  • Coverage of cost for medical emergency evacuation or accidental death or dismemberment
  • Optional benefits include car rental insurance

Depending on the provider benefits may differ in cost and range, so make sure you read the small print.



Things to know about travel insurance:

  • It only covers the days you paid for – not less, not more

So make sure you get coverage including the days you travel. Purchase your travel insurance well in advance and include the actual days of travel.Travel insurance

If you need to change your dates of travel, don’t forget to change your insurance time frame as well.

If your return flight is overnight, make sure you include that extra day as well.

  • Be prepared to pay first yourself before you get reimbursed

In most cases, the insurance will cover your expenses, but that still means that you have to pay out of pocket first before you get reimbursed later.

You will need to save all the receipts and papers for proof of payment later.

  • You probably won’t need it, but it’s better to have it

In most cases, you’ll pay more than you’ll get out of it because hopefully, you won’t need the insurance. But that might be a risk well worth taking.

Things that are not covered by travel insurance:

Make sure you know what’s covered. Among other things, these are usually not insured:

  • High-risk sports or activities, such as scuba diving, bungee jumping, etc.
  • Losses due to a person being legally drunk
  • Medical expenses due to pre-existing conditions

COVID-19 ALERT: Due to the pandemic, travel insurance companies have made some changes to the services and coverage they provide. This might sound like bad news, but it’s actually (mostly) good!

Here are a few changes you can expect from most of the travel insurance plans listed below:

  • Many insurance plans will include coverage for emergency medical care/treatment of Covid-19.
  • Trip Cancellation/Interruption is now included with most plans. This means if your plans are interrupted due to inability to access the location where you plan to travel, you’ll likely be covered.
  • With some plans, you or someone you are traveling with will need to come down with the illness before being eligible for coverage.

We recommend checking the Covid-19 FAQ provided by each company before purchasing insurance in order to make sure they provide the coverage you’ll need during these trying times.


Travel insurance plans

Allianz Global Assistance Travel insurance

From Basic, Prime and Premier plans, travel insurance starts at $20-$40, depending on the age of the traveler, and the length + cost of the trip.

Travelex

Plans are Travel Select, Travel Basic and Travel America Insurance. The basic plans start around $24 depending on the age of the traveler, and the length + cost of the trip.

AIG Travel Insurance

Plans are Travel Guard, Deluxe, Preferred, Essential, Pack N’ Go and Annual. The Travel Guard plan starts around $28 depending on the age of the traveler, and the length + cost of the trip.

What to consider before you buy travel insurance?

Check with your health insurance at home first if you are already covered

This should be your first step. You might be already covered with your health insurance, but you definitely have to check with your provider at home prior to your trip and get something in writing.

Trips to the United States are usually not covered because the health system there is usually more costly than in other countries.

However, you might be able to add short-term coverage from your existing plan for your travels abroad.

Avoid double coverage for auto, homeowners insurance

You might already be insured with your car owner insurance, your homeowner insurance, or via your credit card benefits as well.

Again, it’s strongly recommended to contact your provider or credit card company before the trip and find out what would really be covered.

Consider term life insurance rather than flight insurance

If you are flying somewhere and renting a car, remember that driving around in a foreign place can be tricky and sometimes dangerous as well.

If you are worried about any worst-case scenario, flight insurance won’t cover you in a car accident and you might feel more at ease for your loved ones if you have a term life insurance plan.

 


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How is the weather in Berlin in May?

This post is about the weather in Berlin in May, including average temperatures, precipitation, and tips on packing and sightseeing activities.


HOW COLD IS BERLIN IN MAY?

Berlin in May can be very pleasant with generally mild spring-like weather prevailing. 

During early May, morning temperatures will tend to be 6-8 C (mid-40s F) with afternoon highs of 18-20C (mid-60s F). A couple of the cooler mornings can dip down to 3-5C (40F). 

Average Temperatures in Berlin in May

 

By the end of May, morning temperatures will more likely be 11-13C (low to mid-50s F) while afternoon highs will usually reach 21-23C (lower 70s F) with a few days possibly reaching up to 26-28C (into the lower 80s F).


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HOW MUCH SUN OR RAIN?

Daylight becomes noticeably longer this month, increasing from about 15 hours around May 1st to nearly 16.5 hours by the 31st.

You can usually expect about 8-9 days with clear or at least partly sunny skies.

Weather Calendar Berlin May

 

About 14-15 days will see some rain. Thunderstorms can also occur this month, reporting about 3 days on average.


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WHAT SHOULD I WEAR?

Berlin has a good amount of rain in May, so keep that in mind as you pack. We’ve made a list below of what to bring:

1. Rain Jacket

With about half the days in May expecting rain, it’s a good idea to bright a light rain jacket. Something like this one by EZRUN packs easily and will also keep you dry and warm on chilly or wet days. An umbrella is also suggested.

2. Sweater

The best way to make sure you’re comfortable is to pack a sweater for layering on for cooler mornings. A simple pull-on is enough, like this one by LTIFONE go great over comfortable cotton tops.

men sweater brown

3. Good Shoes

As the weather gets comfortable, expect to spend a lot of your days outside enjoying the weather. Packing comfortable walking shoes is essential. We like these by Saucony, which are great for long walking tours of Berlin. 

saucony mens shoe


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WHAT TO DO IN BERLIN IN MAY

There are a number of great things to do in Berlin year-round, including visiting the city’s many museums, touring the Reichstag, walking through the Holocaust Memorial, and seeing remnants of the Berlin Wall and Berlin’s famous street art.

This section lists our suggestions for things to do in Berlin this month. 

For more detail on these free things to do, family-friendly activities, and evening entertainment and events, read our full post for the best things to do in Berlin.

 

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TIP: When you purchase a tourist discount pass, you can see more while saving money on the most popular attractions. Some city passes will give up to 55% discounts!

  • Celebrate the Carnival of Cultures.
  • See Madam Butterfly.
  • Attend the Pitchfork Music Festival.
  • Take a Free Walking Tour.

Find more detail for these top things to do in our full Berlin in May post.


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Fred Pickhardt
Ocean Weather Services

Berlin in March

What to Do in Berlin in March

This post provides details about some of the best events, tours, and attractions to visit during the month of March in Berlin, including family-friendly, free and nighttime activities.

Keep in mind that a lot of popular tours and attractions are included at a discount with Berlin tourist passes.

Wondering what to pack? Check out the average temperatures in March below

 

 


TOP EVENTS AND THINGS TO DO IN BERLIN IN MARCH

This list includes several popular events and activities taking place in Berlin during the month of March.

We’ll cover a variety of festivities, tours, attractions and more. Read more »

What to Do in Berlin in February

In this post, we provide a list of fun and entertaining things to do in Berlin during the month of February, updated for 2020. We cover a variety of different activities, attractions, events, festivals and more.

 

 


TOP 10 EVENTS AND THINGS TO DO IN FEBRUARY

This top 10 list will help you find the best concerts, events, and attractions to see during February.

You can find even more ideas on our other popular Berlin posts: Read more »

What to Do in Berlin in January

In this post, we provide a list of fun and entertaining things to do in Berlin during the month of January, updated for 2020. We will cover a variety of different activities, attractions, events, festivals and more.

 

 


TOP 10 EVENTS AND THINGS TO DO IN JANUARY

This top 10 list will help you narrow down your options in Berlin for the best concerts, events, and attractions to see and participate in during January.

You can find even more ideas on our other popular Berlin posts: Read more »

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What to Do in December in Berlin

This post covers things to do in December in Berlin, including free, nighttime, Christmas, as well as family-friendly activities, all updated for 2019.

 

 


TOP 10 THINGS TO DO IN DECEMBER

This top 10 list will help you narrow down your options in Berlin for the best concerts, events, and attractions to see and participate in during December.

You can find even more ideas on our other popular Berlin posts:

Be sure to check out our tours in Berlin post for activities any time of year.

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