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Cat 70 Travel Insurance Review: Is it Worth The Cost?
Cat 70 Travel Insurance Review: Is it Worth The Cost?-November 2024
Nov 13, 2024 11:15 PM

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Cat 70

Compare Rates

at Squaremouth

pros & cons

Pros

Solid coverage limitsCFAR available as an add onIncludes emergency medical coverage up to $500k

Cons

Only offers one planNo rental car coverageNo extreme sports coverage

insurance-product-card-logo

Compare Rates

at Squaremouth

Cat 70

pros & cons

Pros

Solid coverage limitsCFAR available as an add onIncludes emergency medical coverage up to $500k

Cons

Only offers one planNo rental car coverageNo extreme sports coverage

If it’s time to plan your next adventure, travel insurance may be on your mind. And for good reason: It can help protect the investment you’ve made in plane tickets and accommodations, and your own health and safety, too. But there are so many insurance companies out there it can be hard to choose.

So here’s a look at one of them — Cat 70 travel insurance. What does Cat 70 offer? Is it the right choice for you?

What does Cat 70 travel insurance cover?

Cat 70 coverage is designed for both domestic and international travel. In contrast to several other travel insurance companies, Cat 70 only offers one plan: the Cat 70 Travel Plan.

Coverage in the the Cat 70 Travel Plan includes:

Trip cancellation and interruption, including due to COVID-19 illness.

Emergency medical.

Pre-existing conditions.

Accidental death and dismemberment.

Cat 70 plan cost

To better understand coverage in this Cat 70 travel insurance review, we searched for coverage for a $2,000, one-week trip to Canada for a 35-year-old Texas resident.

Here are more details about what is included. The cost for this plan is $113, roughly 5.65% of the total trip cost.

Coverage

Cat 70 Travel Plan

Trip cancellation

100%.

Trip interruption

150%.

Cancel for COVID-19 sickness

Included in trip cancellation and interruption.

Hurricane and weather

  • Common carrier delay for 48 hours.

  • Mandatory evacuation conditionally covered.

  • Accommodation made uninhabitable.

  • Must be purchased before the storm is named.

Terrorism

Foreign and domestic.

Financial default

Covered after 14-day wait.

Cancel for medical reasons

Included in trip cancellation and interruption.

Cancel for work reasons

No coverage.

Travel delay

$500 ($150 daily limit, minimum six-hour delay).

Missed connection

$500, covered after a three-hour delay.

Emergency medical (including COVID-19 sickness)

$500,000.

Emergency medical evacuation and repatriation

$500,000.

Accidental death and dismemberment (AD&D) 24 hour

$10,000.

Baggage & personal items loss

$500 maximum. $100 per item, $250 specific items limit.

Baggage delay

$200 maximum. $100 daily limit (after 24-hour delay).

Since there is only one travel insurance plan offered by Cat 70, it’s easy to assess the benefits and compare it to plans from other insurance providers. One main benefit to note is the presence of coverage for COVID-19 sickness, including treatment during travel and trip cancellation.

While emergency medical evacuation isn’t as robust as with some other plans, baggage delay includes sporting equipment loss, and trip interruption and travel delay are on par with many other plans.

Additional options and add-ons

Optional Add-ons

Cat 70 Travel Plan

Cancel For Any Reason (75% of trip cost)

$56.50.

Cancel For Any Reason, or CFAR, coverage offers peace of mind if you have to cancel your trip, regardless of reason — not just typically covered reasons (like medical emergencies). If you opt for this add-on to coverage, you’ll be reimbursed up to 75% of prepaid, nonrefundable trip payments .

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