Skip to content

Columbus Travel Insurance: Review or Columbus Direct

Views: 876
0 0
Read Time:5 Minute, 41 Second

If you are planning a trip to the United States, sooner or later you will also have to choose a US health insurance, so as not to be discovered in case of unpleasant unforeseen events. Among the many insurance companies, you will surely have come across the Columbus policies, among the insurance products that we at use most often when we travel to America.

In this review, I will try to objectively and briefly outline the main characteristics of its products, hoping to be useful to those seeking opinions on Columbus Travel Insurance.

Columbus Travel Insurance: company information

Columbus was founded in 1988 as Columbus Travel Insurance, then changed its name to Columbus Direct in 1993, and finally in 2016 to Columbus, the trade name of Collinson Insurance Solutions Europe Ltd, a company specializing in travel insurance, with policies distributed in over 50 countries in the world. Since its inception, Columbus estimates it has served more than 10 million customers.

The brand is part of the Collision Group, a British multinational company founded in 1985 that operates in various sectors, including insurance and airports. The registered office of Columbus is in Malta, Third Floor, Development House, St Anne Street, Floriana FRN 9010.

Columbus Travel Insurance Products

The main products offered by Columbus Insurance are as follows:

  1. Medical Assistance: this is the coverage that provides unlimited limits for medical expenses with 24-hour assistance.
  2. Lost Baggage: includes the above, in addition to covering lost baggage (1,500 euros), travel accidents (10,000 euros), and civil liability (250,000 euros).
  3. Trip Cancellation: includes medical assistance, increases the limits for lost baggage (2,000 euros), travel accidents (25,000 euros), and civil liability (500,000 euros), and adds coverage for flight delay, flight cancellation travel, early return, and legal protection. It is the complete policy.
  4. Annual Multi-Trip: it is almost identical to the previous policy with one substantial difference. It is valid for an unlimited number of trips (provided they do not exceed 31 days) throughout the year. For those who travel often, it actually allows for considerable savings. Furthermore, it must also be considered that, in addition to the other products, it also includes the sending of the doctor abroad and the telephone interpreter.

Each basic policy also includes:

  1. Medical return
  2. Transport
  3. Search and rescue
  4. Fund advance
  5. Travel resume
  6. Credit card protection
  7. Urgent return home
  8. Surgical expenses
  9. Hospitalization
  10. Dental care (300 euros)
  11. Travel and accommodation for a family member

To check these coverages in detail, it is advisable to read the information sheet, where you will find all the details of the policy.

Columbus insurance prices

The price obviously changes according to the travel days and the coverage is chosen, on average, over a duration of 7 days, with our dedicated discount code, the following prices can be calculated:

  1. Medical assistance: approximately 36 euros
  2. Lost Baggage: approximately 45 euros
  3. Trip Cancellation: approximately 61 euros

Additional services

For those with special needs, Columbus offers a series of options that you can easily add to the policy by following the online purchase procedure.

  1. Zero Deductible Application: a deductible is basically provided for by the contractor (it varies according to the type, for example for medical expenses it is generally 100 euros). However, it is possible to bring it to 0 by paying a small surcharge, which I personally recommend. The “0 deductible” option can also be included by itself in the policy without paying the surcharge.  
  2. Sports Extension: allows you to ensure sports (those contemplated in the coverage) for a total of 7 days within the trip.
  3. Winter Sports Extension: to include winter sports such as skiing and snowboarding in the tires.
  4. Smartphone and Tablet Extension: covers theft, robbery, and snatching of tablets, smartphones, or computers up to 1,000 euros (a deductible of 150 euros is applied).

The strong points of the policies

Like most insurance companies on the market, Columbus also provides 24-hour customer assistance in Italian and direct payment of hospital expenses. There are also some peculiarities that distinguish it from many other insurance companies:

  1. Unlimited ceilings: a rather rare case, even if hospitalization costs are covered for a maximum of 120 days.
  2. Free minors: not many people know it but with Columbus children under 18 are insured for free, this means considerable savings if you are traveling with your children, making this insurance particularly convenient for families.
  3. Last Minute Activation: some insurance companies allow you to activate a policy even starting from the day of stipulation, which can be useful for those who are close to departure, Columbus is one of these. Attention: however, it is not possible to activate the policy during the trip, for this possibility read our guide on travel insurance after departure.
  4. Civil Liability: coverage up to €500,000 is among the highest on the market. 

FAQ on Columbus Travel Insurance

What is Columbus Travel Insurance?

Columbus Travel Insurance is an insurance product offered by Columbus Direct, a reputable insurance provider. It is designed to protect travelers from unexpected expenses and risks while traveling internationally or domestically.

What does Columbus Travel Insurance cover?

The coverage may vary based on the plan you choose, but typical coverage includes trip cancellations, trip interruptions, medical expenses, emergency medical evacuation, lost baggage, travel delays, and personal liability. Specific details can be found in the policy documentation.

How do I purchase Columbus Travel Insurance?

You can purchase Columbus Travel Insurance online through their official website or through authorized insurance agents. Ensure that you provide accurate information about your trip and personal details to get the right coverage.

Can I buy Columbus Travel Insurance after starting my trip?

No, Columbus Travel Insurance must be purchased before you start your trip. It is advisable to buy the insurance as soon as you book your trip to ensure you are covered from the start date of your journey.

How much does Columbus Travel Insurance cost?

The cost of Columbus Travel Insurance depends on several factors, including the type of coverage you select, your age, trip duration, destination, and any additional add-ons. Prices will vary, so it’s best to get a quote from their website or contact their customer service.

Can I cancel Columbus Travel Insurance for a refund?

Columbus Direct typically allows a cooling-off period, during which you can cancel the policy for a full refund, provided you haven’t started your trip and no claims have been made. The length of the cooling-off period may vary, so it’s essential to review the policy terms.

How do I make a claim on my Columbus Travel Insurance?

In case you need to make a claim, you should contact Columbus Direct as soon as possible. They will guide you through the claims process and provide you with the necessary forms and instructions.

0 %
0 %
0 %
0 %
0 %
0 %

Average Rating

5 Star
4 Star
3 Star
2 Star
1 Star

Leave a Reply

Your email address will not be published. Required fields are marked *