Travel Insurance

Protect your trip investment against the unexpected. Here's what you need to know before you travel.

4-8%
Of Trip Cost
$300K+
Medical Evac Costs
14-21
Days to Buy
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Why You Need It

Don't leave your vacation investment unprotected

Travel insurance protects your investment against unexpected events — trip cancellations, medical emergencies abroad, lost luggage, and travel delays. Most domestic health insurance offers limited or no coverage internationally, and the cost of an emergency medical evacuation alone can exceed $300,000.

Whether you're cruising the Caribbean or exploring Europe, a good policy gives you peace of mind that if something goes wrong, you're not paying out of pocket for the unexpected.

Did You Know?

A medical emergency in a foreign country without insurance can result in bills of $50,000 to $100,000+. Medicare provides no coverage outside the U.S.

What's Typically Covered

Common coverage types found in most comprehensive travel insurance policies

Trip Cancellation
Reimbursement if you cancel for a covered reason — illness, injury, jury duty, job loss, or severe weather. Typically covers 100% of non-refundable costs.
Emergency Medical & Evacuation
Hospital stays, doctor visits, prescriptions, and emergency transport back home. Evacuation coverage is critical for cruises and remote destinations.
Baggage Loss / Delay
Compensation for lost, stolen, or delayed bags. Delay coverage reimburses essentials like clothing and toiletries while you wait.
Travel Delay
Meals and lodging if your flight is significantly delayed (usually 6+ hours). Some policies also cover missed connections.
Trip Interruption
If you need to cut your trip short for a covered reason, this reimburses unused portions and additional travel costs to return home.
Cancel For Any Reason (CFAR)
Premium add-on for maximum flexibility. Cancel for any reason and receive typically 75% reimbursement. Must be purchased within 14–21 days of initial deposit.

What Does It Cost?

Typical pricing for comprehensive travel insurance plans

4–8%
of total trip cost
for comprehensive coverage
Weekend Getaway
Trip cost$1,500
Basic policy$60–$90
With CFAR$120–$170
Caribbean Cruise
Trip cost$5,000
Basic policy$200–$300
With CFAR$400–$550
Factors That Affect Price

Age of travelers, trip cost, trip duration, destination, and coverage level all influence premium pricing. Adding CFAR typically increases cost by 40–60%.

Not Sure What Coverage You Need?

A travel agent can recommend the right plan for your destination, trip length, and budget.

Ask an Agent

Pro Tips

Insider advice to get the most from your travel insurance

Buy Early

Purchasing within 14–21 days of your first deposit often unlocks pre-existing condition waivers and CFAR eligibility.

Check Your Cards

Some premium credit cards include basic trip protection, travel delay, and baggage coverage. Review your card benefits before buying a separate policy.

Pre-Existing Conditions

Many policies exclude pre-existing conditions unless you buy the waiver at time of enrollment. Disclose all conditions accurately on your application.

Adventure Activities

Confirm your policy covers activities like scuba diving, skiing, zip-lining, or ATV tours. Some require an adventure sports rider.

When You Might Skip It

Insurance isn't always necessary — here's how to decide

You probably need it if...
  • Your trip costs more than $5,000
  • You're traveling internationally
  • You have pre-existing health conditions
  • You're going on a cruise (medical care at sea is expensive)
  • Non-refundable bookings make up most of your cost
You might skip it if...
  • Short domestic trip with fully refundable bookings
  • Your credit card already provides sufficient coverage
  • Low-cost trip where premiums exceed the risk
  • You have existing coverage through an annual multi-trip policy

Not Sure What You Need?

Ask your travel agent about the best policy for your trip. They can recommend the right coverage level based on your destination, itinerary, and budget.

Contact a Travel Agent