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Travel Insurance 101

Domestic travel insurance


Most U.S. citizens traveling within the states assume that travel insurance is not necessary. While your current health insurance may still be active while you travel domestically, there are a multitude of non-medical catastrophes which the proper coverage can alleviate immensely.


A comprehensive plan is the best option to financially protect yourself against the most common unexpected circumstances when traveling domestically. Most notably, those emergency medical expenses not covered by your typical health insurance would fall under the umbrella of most comprehensive plans.

Other widely-utilized travel coverage under comprehensive plans include Baggage/Personal Effects loss, Trip Cancellation and Interruption coverage, and Trip Delay coverage — none of these are provided by your health insurance carrier.


We wouldn’t recommend pursuing travel medical or evacuation plans for domestic trips, as they are focused on international travel needs and generally don’t apply or provide the type of coverage domestic travelers would benefit from.