Mukudziwa chiyani za inshuwaransi yapaulendo mu 2022

Kodi muli ndi inshuwaransi yoyenera kuyenda ya 2022? Mofanana ndi apaulendo ambiri, David Simkin akuyembekeza kuchita zomwezo. Koma sakutsimikiza.

Simkin akukonzekera ulendo wapamadzi kuchokera ku San Diego kupita ku Vancouver, British Columbia, chilimwechi komanso ulendo wa masiku 11 wa mizinda yakale ya kum’mawa kwa Canada, kuphatikizapo Montreal ndi Toronto, kumapeto. Amakhalanso ndi ndege yopita ku Asheville, NC; Gatlinburg, Tenn; ndi Savannah, J.A.; , mu ndondomeko yake.

Simkin, wogwira ntchito ku positi wopuma wopuma yemwe amakhala ku Castlebury, Florida, adagula njira zapamadzi ndi maulendo, koma osati paulendo wapamsewu. Ngakhale adaganiza kuti sangafune inshuwaransi yapatchuthi yakumaloko, adamva za ndondomeko zapachaka zomwe zingapangitse maulendo ake onse okonzekera pafupifupi $500 pachaka, kuchepera mtengo wa inshuwaransi zitatuzo padera.

“Zikumveka bwino kwambiri kuti zisachitike,” akutero.

Inde, inshuwaransi yoyendera ndi yosokoneza kwambiri kuposa kale. Mwinamwake mwamvapo nkhani zingapo zowopsya za apaulendo akukhala ndi ndondomeko za inshuwalansi zopanda pake. Pafupifupi zaka ziwiri mumliriwu – ndi kusatsimikizika kwamtsogolo – ndikofunikira kwambiri kuposa kale kuti mumvetsetse zosowa zanu za inshuwaransi yoyenda. Zinthu zimatha kusintha nthawi iliyonse, ndipo ndikofunikira kuwonetsetsa kuti mwatetezedwa musananyamuke.

“Mliriwu wakulitsa nkhawa zachitetezo ndi chitetezo,” atero a Lisa Cheng, mkulu wa zolumikizirana ku World Nomads, kampani yoyendera ndi inshuwaransi. “Anthu ochulukirachulukira akusankha kuyenda ndi chitetezo ngati atadwala covid-19 kapena atakhala kwaokha modzidzimutsa.”

Ndizochitika padziko lonse lapansi. PK Rao, CEO wa INF Plans, yomwe imapereka inshuwaransi kwa alendo aku North America, akuti akukonzekera chigumula pakugulitsa inshuwaransi kwa alendo aku US. “Ndi chiletso cha maulendo atachotsedwa kuno ku United States ndi kunja, tikuyembekeza kukwera kwa kufunikira kwa maulendo, komanso inshuwalansi yaulendo.”

Choyamba, tiyeni tiyankhe funso lalikulu: Inde, mukufunikira inshuwalansi yapaulendo. Maulendo ena sali owopsa monga ena, ndiko kulondola. Mwachitsanzo, tiyerekeze kuti mwayenda ulendo wapamsewu ngati Simkin ndi kukhala ndi anzanu m’malo mokhala kuhotelo. Pamenepa, pali ndalama zochepa zolipiriratu, zosabwezeredwa zomwe inshuwaransi yanu yoyendera idzalipira. Koma muyenera kuganizirabe, akutero Stan Sandberg, woyambitsa nawo TravelInsurance.com, tsamba lomwe limakupatsani mwayi wofananiza ndikugula mapulani a inshuwaransi yaulendo.

“Inshuwaransi yapaulendo idapangidwa kuti iteteze kuyenda pakakhala ndalama zenizeni – kaya ndalama zogulira paulendo kapena zolipirira zosayembekezereka zomwe zimachitika paulendo,” akutero.

Mukamayang’ana maulendo anu a 2022, kumbukirani mafunso otsatirawa: Kodi mukufuna inshuwaransi yanu kapena inshuwaransi yapaulendo yapachaka? Ndi zosintha ziti za inshuwaransi yapaulendo zomwe muyenera kudziwa? Kodi mumasankha bwanji ndondomeko yoyenera kwa inu?

Chenjezo la Simkin ponena za ndondomeko zapachaka ndizomveka. Ndipo akulondola: Zikumveka ngati zabwino kwambiri kuti zisakhale zoona.

Mafunso okhudza mfundo zapachaka adakwera panthawi ya mliriwu, malinga ndi a Sherry Sutton, olankhulira bungwe la Travel Insured International. “Apaulendo amasamala za kuteteza ndege zingapo chaka chonse chifukwa zimapanga nthawi yotayika,” adandiuza.

Koma pali chifukwa chake ndondomeko zapachaka ndizotsika mtengo. Pafupifupi mapulani onse a inshuwaransi apachaka amabwera ndi malire aulendo (nthawi zambiri miyezi itatu). Komanso, ndondomeko zapachaka nthawi zambiri zimakhala zopepuka pakuletsa kufalitsa.

Ndondomeko zapachaka zitha kukhala zomveka ngati, mwachitsanzo, mukukonzekera maulendo afupiafupi mu 2022. Allianz Travel Insurance, yomwe imasankha makasitomala ake nthawi zonse zamayendedwe, imaneneratu zomwe zikuchitika mu 2021 ku “microcation” – maulendo apanyumba amfupi – Iwo ipitilira mpaka 2022. Kwa eni mabizinesi ang’onoang’ono, ndondomeko yapachaka ndi “yoyenera,” malinga ndi mneneri wa Allianz Daniel Durazo.

Ndizosadabwitsa kuti makampani ena a inshuwaransi akukhwimitsa chilankhulo chawo kuti aphatikizepo kapena kuchotsera miliri, makamaka kachilombo ka Corona. Koma kusintha kwachedwa chifukwa cha momwe inshuwaransi yoyendera imayendetsedwa ku US: Dziko lililonse limakhazikitsa malamulo ake. “Zikuchedwetsa kutulutsidwa kwa mapulani atsopano,” akutero a Dan Skelkin, Purezidenti wa TripInsurance.com, malo oyerekeza a inshuwaransi yapaulendo.

Ndiye zoletsa zake ndi zotani? Skilkin akuti mapulani a inshuwaransi yoyenda nthawi zambiri amachepetsa kuperekedwa kwa masiku 10 kuchokera tsiku lobwerera lomwe adakonza. Ngati mutapezeka kuti muli ndi HIV ndipo mwadzipatula kwa nthawi yaitali kuposa pamenepo, mukhoza kupeza kuti ndondomekoyi idzatha musanabwerere kunyumba.

Momwemonso, apaulendo ayenera kuwonetsetsa kuti ayamba kufalitsa uthenga wawo asanapite. “Kwa Covid ndi matenda ena, zikhala zofunikira mu 2022 kugula inshuwaransi yomwe imakupatsirani zonse za ulendo wanu,” anachenjeza motero Narendra Khatri, mkulu wa kampani ya insubuy ya insubuy. Lachinayi, mutha kukhala ndi bilu yayikulu yachipatala, chifukwa zidzachitika lisanafike tsiku logwira ntchito. “

Onaninso zofunikira za inshuwaransi yoyenda komwe mukupita, monga momwe mayiko ena amafunira. Mwachitsanzo, Oman imafuna inshuwaransi yachipatala kwa mwezi umodzi wa chithandizo cha covid-19, pomwe dziko la Chile lilamula $30,000 chithandizo chachipatala chomwe chimaphatikizapo covid-19. “Bweretsani chikalata chanu cha malamulo ndikutsimikizira kuchuluka kwa zomwe mwaphunzira mukalowa mdziko muno,” akutero Phyllis Stoller, Purezidenti wa Women’s Travel Group, woyendetsa alendo.

ndipo nthawi zonse, Nthawizonse Werengani zilembo zabwino. Chimodzi mwa zolakwika zomwe mungachite ndikungoganiza kuti palibe. “Chitsanzo chimodzi ndi lingaliro lakuti mawu a ndondomeko ali ndi matanthauzo ofanana kuchokera ku ndondomeko kupita ku ndondomeko ya makampani onse,” akutero Steve Dacius, Mtsogoleri wamkulu wa TripInsuranceStore.com, webusaiti yofananitsa inshuwalansi yoyendayenda. Dasseos akuti ndikofunika kuwerenga matanthauzo, chifukwa mawu a kampani imodzi ya inshuwalansi sadzakhala ndi tanthauzo lofanana ndi ena. Mutha kukhala ndi chigamulo chokanidwa ngati simusamala.

Pansipa: Mudzafunika inshuwaransi yaulendo ngati mukupita kwinakwake mu 2022. Ngati mutenga maulendo afupiafupi, mutha kupindula ndi inshuwaransi yapachaka. Kapena mutha kutsimikizira ulendo uliwonse payekhapayekha, zomwe zingawononge ndalama zambiri koma zidzaperekanso chidziwitso chokwanira.

Musanagule, werengani zolemba zabwino mu ndondomekoyi. Inde, ndizotopetsa – koma muyenera kudziwa zomwe zaphimbidwa ndi zomwe sizili.

“Chiyankhulo cha inshuwaransi chikhoza kukhala chosokoneza, ndipo mabulogu nthawi zambiri amasocheretsa,” akuchenjeza motero Rajiv Shrivastava, CEO wa VisitorsCoverage, msika wa inshuwaransi yoyendera padziko lonse lapansi. Ngati simukumvetsa ndondomekoyi – musadandaule, izi ndizofala kwambiri – amalimbikitsa kugwira ntchito ndi mlangizi wovomerezeka wa inshuwalansi yoyendayenda. Ndipo ngati katswiri sangathe kuzizindikira, mungakhale mukuyang’ana ndondomeko yolakwika.

Simkin, wogwira ntchito ku positi wopuma ku Florida, adamaliza ndi inshuwaransi yosiyana paulendo wake wapamadzi, koma adaganiza kuti safunikira kugula inshuwaransi yapachaka.

“Mahotela athu onse akuti amawona nkhani ya coronavirus kukhala yofunika kwambiri ndipo akuyeretsa malo onse a alendo,” akutero.

Akuganiza kuti amulola kukwera paulendo wapamsewu, pankhani ya inshuwaransi yapaulendo. Ichi ndi chisankho cholondola kwathunthu. Muyenera kuganizira inshuwaransi yaulendo paulendo uliwonse, koma siulendo uliwonse womwe umafunikira inshuwaransi.

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