Travel Insurance for Your Next Trip

What Is Travel Insurance?

Travel insurance protects you from unexpected financial losses when you travel. Whether you're taking a family vacation, a business trip, or an international adventure, the right policy covers trip cancellations, medical emergencies, lost baggage, and travel delays. If something goes wrong before or during your trip, travel insurance helps you recover costs and get assistance when you need it most.

Why You Need Travel Insurance

• Trip cancellations due to illness, family emergencies, or severe weather can cost you thousands in non-refundable expenses


• Medical emergencies abroad can be expensive, and your regular health insurance may not cover you outside the country


• Lost or delayed baggage disrupts your trip and leaves you without essentials


• Travel delays and missed connections create unexpected lodging and meal expenses


• Emergency evacuation coverage gets you home or to proper medical care if disaster strikes

Common Coverages Included

Most travel insurance plans cover trip cancellation and interruption, emergency medical expenses, emergency evacuation, baggage loss or delay, and travel delay reimbursement. Some policies add coverage for rental car damage, accidental death, or adventure sports. You can choose single-trip coverage for one vacation or annual plans if you travel frequently. We help you match coverage to your destination, trip length, and activities.

When Should You Buy Travel Insurance?

Purchase travel insurance as soon as you book your trip. Early purchase often unlocks additional benefits like coverage for pre-existing medical conditions or cancel-for-any-reason options. Waiting until closer to your departure date may limit your coverage options. If you're planning an expensive trip or traveling internationally, don't wait—protect your investment from the start.

Does Travel Insurance Cover Trip Cancellations?

Yes, but only for covered reasons listed in your policy. Common covered reasons include illness, injury, death of a family member, severe weather, or jury duty. Cancel-for-any-reason coverage is available as an upgrade on some policies, giving you more flexibility to cancel for reasons not listed. This option typically requires you to purchase within a certain timeframe after your initial trip deposit and may reimburse a percentage of your costs rather than the full amount.

What About Medical Coverage While Traveling?

Travel insurance provides emergency medical coverage if you get sick or injured during your trip. This is especially important for international travel, where your regular health insurance may not apply. Policies cover doctor visits, hospital stays, prescriptions, and emergency medical evacuation. Some plans also include dental coverage for sudden issues. Review your policy limits to ensure they're adequate for your destination's healthcare costs.

How Do You File a Travel Insurance Claim?

If something goes wrong, contact your insurance provider as soon as possible. Keep all receipts, medical records, and documentation related to your claim. Most companies allow you to file online or by phone. Submit your claim promptly after returning home, as many policies have time limits for filing. We guide you through the process and help you understand what documentation you'll need for a smooth claims experience.