Why You Need Travel Insurance
Travel insurance protects your investment and provides peace of mind when traveling. From trip cancellations to medical emergencies abroad, the right coverage can save you thousands.
What Travel Insurance Covers
Trip Cancellation
Reimburses non-refundable costs if you cancel for covered reasons (illness, death, weather).
Medical Coverage
Covers emergency medical expenses abroad where your health insurance may not apply.
Emergency Evacuation
Covers transport to nearest hospital or back home in medical emergencies.
Baggage & Personal Items
Covers lost, stolen, or damaged luggage and personal belongings.
Trip Delay
Covers meals and accommodations if your trip is delayed significantly.
Cancel For Any Reason (CFAR)
Premium add-on that lets you cancel for ANY reason (75% reimbursement typical).
Average Travel Insurance Costs
| Trip Cost | Basic Plan | Comprehensive | CFAR Add-on |
|---|---|---|---|
| $1,000 trip | $30-$50 | $60-$100 | +$40-$60 |
| $3,000 trip | $90-$150 | $180-$300 | +$120-$180 |
| $5,000 trip | $150-$250 | $300-$500 | +$200-$300 |
| $10,000 trip | $300-$500 | $600-$1,000 | +$400-$600 |
Typical cost: 4-8% of total trip cost for comprehensive coverage.
Special Coverage Options
- Pre-Existing Conditions: Available with time-sensitive enrollment (14-21 days of booking)
- Adventure Sports: Covers skiing, scuba, hiking, and extreme sports
- Cruise Insurance: Specialized coverage for cruises including missed port
- Annual Plans: For frequent travelers, covers multiple trips per year
When to Buy Travel Insurance
- Buy within 14-21 days of initial trip payment for pre-existing condition coverage
- Purchase before you pay for the bulk of your trip
- CFAR must typically be purchased within 14 days of first payment
- Can purchase up until day of departure (but fewer benefits)
What's NOT Covered
- Pre-existing conditions (unless you buy early)
- Traveling against government warnings
- Extreme/high-risk activities (without add-on)
- Self-inflicted injuries or drug/alcohol incidents