Travel Insurance for Denver

Welcome to Mile High City! Whether you're exploring the historic streets of Larimer Square, catching a game at Coors Field, or hitting the slopes in nearby ski resorts, Denver offers a diverse array of experiences for every traveler. If a blend of urban sophistication and natural beauty is what you’re looking for, Denver won’t disappoint.

But before you embark on your journey to this bustling metropolis, it's essential to be prepared for the unexpected. In this guide, we'll navigate the ins and outs of travel insurance for Denver so you can explore Colorado’s exciting capital with confidence!
 

1. What should your Travel insurance cover for a trip to Denver? 
2. How Does Travel Insurance for Denver Work?
3. Do I need Travel Insurance for Denver? 
4. How Much Does Travel Insurance Cost for Denver?
5. Our Suggested AXA Travel Protection Plan
6. What types of medical coverage does AXA Travel Protection plans offer?
7. Are There Any COVID-19 Restrictions for Travelers to Denver?
8. Traveling with pre-existing Medical Conditions? 
9. FAQ
    

What should your travel insurance cover for a trip to Denver?

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.
AXA Travel Protection plans are designed with these minimum recommended coverages in mind.
 

• Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.  
   
• Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events. 
   
• Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation. 
   
• Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage. 
   
• Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 
   

In just a few seconds, you can get a free quote and purchase the best travel insurance for Denver.

How Does Travel Insurance for Denver Work?

While carving through the powdery slopes of the Rockies, you take a tumble and injure your knee. Thanks to your travel insurance's medical coverage, you receive prompt medical attention, ensuring you can get back on your feet and enjoy the rest of your trip worry-free.

Medical emergencies arrive when you least expect them, but a good travel insurance can give you the confidence to fully embrace your Denver adventure. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.
   

Do I Need Travel Insurance for Denver?

Travel insurance for Denver isn't mandatory, but it offers significant advantages. Given Denver's outdoor activities, erratic weather, and potential travel hiccups, having coverage offers reassurance and eases concerns.

Here are several reasons why travel insurance is recommended for Denver travel:
 

1. Emergency Medical Expenses: Denver's outdoor activities, such as sking and hiking in the Rocky Mountains, can pose risks of accidents or injuries. Having coverage for emergency medical expenses allows travelers to receive necessary medical treatment without worrying about exorbitant hospital bills.
    

2. Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.
    

3. Trip Delay: Denver's weather, including snowstorms in the winter months, can lead to flight delays or cancellations. Trip Delay coverage would be beneficial in such situations, offering reimbursement for additional expenses like meals and accommodations during unexpected delays.

How Much Does Travel Insurance Cost for Denver?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:
 

Total Trip cost: The total amount of non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.

Age: L ike any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.
 

With AXA Travel Protection, travelers to the United Kingdom will be offered three tiers of insurance: Silver, Gold and Platinum. Each provide varying levels of coverage to cater to individual's preferences and travel needs.

Our Suggested AXA Travel Protection Plan

AXA presents travelers with three travel plans – the Silver Plan, Gold Plan, and Platinum Plan, each offering different levels of coverage to suit individual needs. Given that Denver hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.
 

The Platinum Plan is your go-to choice if you're looking for extra coverage for Denver’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Denver's stunning landscapes in a rental car.
 

Denver's proximity to the Rocky Mountains makes it a popular destination for skiing and snowboarding enthusiasts. In the event of specified slope closures due to unforeseen circumstances like inclement weather, the Platinum Plan's optional Loss Skier Days benefit offers reimbursement for pre-paid ski tickets, helping to offset the loss associated with missed skiing opportunities.
 

What types of medical coverage does AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency medical

• Emergency evacuation & repatriation

• Non-medical emergency evacuation & repatriation
   

Emergency medical: Covers unexpected situations like broken bones, burns, sudden illnesses, and allergic reactions that may occur during your trip.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation: Helps you leave a destination quickly for events unrelated to health concerns. This could include situations like natural disasters or civil unrest.
 

Are There Any COVID-19 Restrictions for Travelers to Denver?

The CDC does not require COVID-19 testing or vaccination for passengers flying within the United States or arriving from other countries.
 

Traveling with preexisting Medical Conditions?

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Our Gold Plan, and Platinum Plans offer coverage for preexisting medical conditions.
The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexisting medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.
 

FAQ
 

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Denver?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.

Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in Denver?

While travel insurance isn't mandatory for Americans visiting Denver, it's wise to consider securing coverage for protection against unforeseen expenses such as medical emergencies or disruptions to your trip.

4.What is needed to visit Denver from the USA?

For domestic travel, only a government-issued photo ID like a state ID card or driver's license is needed. While a passport isn't mandatory, you can use it as an alternative ID if you have one.

5.What happens if a tourist gets sick in Denver?

If you become sick in Denver, travelers with AXA Travel Protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.
 

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved.