What to Consider Before Traveling in 2023

JUNE 6, 2023

Travel is returning to pre-pandemic levels, with approximately 31% of Americans more interested in traveling internationally versus domestically. As political unrest and natural disasters continue to rise worldwide, proper preparation can help protect both you and your finances.

Political Unrest

Military tensions and social unrest continue to drive political conflicts, with protests surging around the world. Although incidents of political unrest may be unpredictable, travelers can mitigate the risk with research and planning.

Before traveling, it is crucial to have a clear picture of the security conditions in the country you are visiting, and keep current on any evolving crisis situations. It is recommended that travelers, especially those who visit high-risk countries, register with the U.S. State Department’s Smart Traveler Enrollment Program to receive safety and security information updates. There are also several mobile security applications and online resources that provide up-to-date safety information to travelers.

Some travel insurance carriers offer critical security services. For example, as part of a comprehensive evacuation policy, some insurers provide security firms to assist with in-country logistical support or extraction if needed. This coverage can be activated without a government-issued warning.

Safety Devices

Travelers looking to immerse themselves in local culture are increasingly staying in Airbnb rentals and hostels. Before making trip reservations, confirm your lodging is in a safe neighborhood. Download or print a map in case you lose cellular service and need directions.

Keep doors and windows locked at your overnight accommodations. Tell the hotel concierge to write down your room number instead of saying it out loud to prevent strangers from hearing your exact location. Consider a security device like a Door Stop Alarm or Door Security Bar with Vibration Detecting Alarm. If your room is breached, these devices will make an audible sound to alert you of the threat.

Travel Insurance

Prior to departure, consider purchasing travel insurance. When planning ahead, purchase coverage that includes trip cancellation. Some travel insurance companies offer the option to purchase a “cancel for any reason” plan, which allows you to receive a refund without needing to provide a reason for canceling your trip.

There are also travel insurance policies designed to protect travelers against mishaps. Review each policy’s benefits and exclusions carefully. Generally, standard travel insurance offers financial coverage and logistical support for trip delays, interruptions, baggage loss or delay, and certain medical expenses. Depending on the destination and who is traveling, it may be wise to add additional coverage.

Medical Emergency and Evacuation

Travelers should consider the complications of medical emergencies and evacuation when choosing to participate in risky activities abroad. Research medical facilities in the region you are visiting and plan ahead for pre-existing medical conditions. If the trip includes visiting remote areas, pre-plan an evacuation route. Finally, engage an experienced consultant to review available insurance options and choose coverage that provides emergency services.

Emergency medical and evacuation costs can double or even triple in remote destinations. Therefore, it is crucial to find evacuation coverage with generous limits when traveling to isolated areas — especially if the trip involves adventurous activities, such as mountain climbing, deep sea diving, or wildlife hunting.

Kidnap and Ransom

Kidnap for ransom, extortion and wrongful detention continue to increase. Often these events are not publicized. Whether traveling the globe for business, vacation, or an overseas move, you should have a comprehensive insurance and service protection package ready to respond to these types of crisis events. Remember, these exposures can occur in various “hot spots” and major city centers worldwide.

Natural Disasters

Natural disasters are among the leading causes of travel interruption and cancellations. A natural disaster is defined as a large‐scale weather or environmental event that damages property and disrupts transportation or utilities, including earthquakes, fires, floods, hurricanes, or volcanic eruptions. As with medical emergencies and political unrest, planning can help reduce the risk of being stranded or injured in a natural disaster.   

Unfortunately, not all travel insurance policies provide the same coverage for natural disasters. If catastrophe strikes before you leave, you may need to cancel the trip and the cancellation portion of your policy would apply. However, if such an event happens while you are already on your trip, the interruption portion of the policy would be applicable. Purchase a travel policy that covers the extra cost of alternative flights, hotel rooms and meals when a trip is canceled or cut short by severe weather.

Protect Your Home

Although it may be tempting to share excitement about your travels online, do not publicize that you are away from home on social media. Avoid posting pictures of your vacation while you are gone. Set timers to turn lights on and off in your home so it appears someone is home. Place a hold on your mail and deliveries so they do not accumulate in front of your house. Ask a neighbor or friend to keep an eye on your home and contact you if they see anything suspicious.  

Homes with alarm systems are less likely to be burglarized. Set your alarm and check your cameras online. If you do not have an alarm system, purchase wireless window and door sensors that will sound an alarm to alert your neighbors if your home is compromised.