Cat 70 Travel Insurance Review: Is it Worth The Cost?

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?

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.

» Learn more: What to know before buying travel insurance

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.

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

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 .

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

Naturally, few travel insurance policies cover everything. Areas not covered in the Cat 70 insurance policy include:

• Extreme sports: Adventure sports and activities like rock climbing, horse racing and bungee jumping aren’t covered.

• Canceling for fear of COVID-19: Unless you purchased CFAR add-on coverage, you can’t cancel simply because you’re worried travel might expose you to COVID-19.

• Loss of certain items in checked luggage: If your luggage is lost, you may be shocked to learn not everything inside your bag will be covered. Examples of items not covered in the event of lost luggage are art, event tickets, glasses, hearing aids, money and prosthetics.

To search for a Cat 70 travel insurance policy for your trip, head to Cat 70’s website and select “Search Policies.” You’ll be taken to the Squaremouth search portal where you will enter your trip details.

The website will then provide a list of policies to compare, with Cat 70 at the top.

» Learn more: The best travel credit cards right now

Almost anyone traveling domestically or internationally could benefit from purchasing a Cat 70 Travel Plan. Trip cancellation coverage is good, delayed luggage policies are on par with other companies’ offerings and the option to cancel for financial default is a plus.

That said, if you’re planning on participating in extreme sports during your trip, want included rental car coverage, or are looking for more robust emergency medical evacuation or trip delay insurance, you might consider looking elsewhere.