COVID-19 Update: All our travel insurance providers are still treating COVID-19 as a covered medical event. Click here for more COVID-19 coverage information.

Travel Insurance Explained

You’re getting ready to plan your next vacation. You may go to,, or one of our favorites, to start pricing out those airline tickets and hotels.  Depending on why you’re traveling, you might start to do some research for your destination on or    

Finally, you’re ready to book your flight! During checkout, the airline offers a travel insurance policy to add on to your purchase. You wonder, “do I need it? Or is it just an extra way for the airlines to make more money on top of charging me for my extra bag and cushier seat?”  This can be frustrating. 

To answer this question, we first have to understand what travel insurance is and what travel insurance is not.  Travel insurance can be confusing for sure, but what if we told you your current health insurance didn’t cover you outside the United States? Be informed and protect your family against unexpected emergencies while you’re traveling.

What is Travel Insurance?


Assistance in Medical Emergencies

Most people aren’t aware that their Medicare or health insurance policy in the states might not cover them if they travel out of the country. A Medical Expense coverage would provide 24/7 assistance if you’re involved in an accident, fall ill, or even if a pre-existing condition flares up again under some plans.

Medical Evacuation insurance is most definitely something that is not provided by your stateside health insurance plan. In the event of a serious accident or illness when you travel, the emergency services provider of your travel insurance policy would completely arrange your medical evacuation and medically equipped flight home. These expenses can add up quickly, especially if you’ll be traveling outside of major cities.


Protection for Your Trip Investment $

Cancelling your trip can cost you a lot of money, especially if this trip is a big investment for you or your family. Unexpected events such as a loss of a job, you or someone in your family gets sick of injured, and most recently but a very real thing, there happens to be a terrorist act* in the city you were planning to visit. It’s important to buy a cancellation insurance policy early, usually within the first couple weeks of making your first deposit, to ensure your wallet doesn’t take a hit when life happens.

Not all trip cancellation policies are the same either.  Some are very limited in what the covered reasons are for cancelling, especially the policies offered by airlines or cruise lines.  If you’re looking for additional wiggle room and flexibility about cancelling your trip, we recommend that you purchase a policy with the option to add on “cancel for any reason coverage.

PRO TIP: We at always recommend that people check with the state department to see what’s going on in your area of travel.  We’d also recommend enrolling in the STEP program so the local U.S. Embassy is aware of your travels.


Prevents Travel Headaches

You can’t control Mother Nature but she sure can control whether or not your flight takes off or not due to severe weather. Travel delay and Missed Connection coverage protects you when delay expenses start adding up. And we’ve all had the headache of arriving at our destination but our luggage decided to take a long detour. Baggage Delay coverage would compensate you for those reasonable personal items you needed to purchase to get by until your luggage arrives. If those bags somehow ended up lost or if your belongings were stolen from you on your trip, Baggage and Personal Effects Loss coverage exists to refund you for the cost of those belongings or replacement belongings –make sure to check your policy documents for any limitations. Talk about a travel miracle!

In a nutshell, travel insurance protects you from those scary “what if” situations that could occur during your trip. It allows you to travel with an ease of mind.

What Travel Insurance Isn’t


A Replacement for Health Insurance at Home

While travel insurance is an excellent form of medical coverage while you’re traveling away from home, this coverage will end, with some exceptions, when you return from your trip and walk through your front door. Insurance companies have been especially strict about staying compliant since the implementation of the Affordable Care Act.


Coverage for Anything & Everything

Every travel insurance policy has a list of definitions and exclusions as to what is covered and not covered during your trip. Some lists are more extensive than others. Make sure you have a general idea for what’s included and excluded from your insurance policy before assuming anything.

Always Compare Travel Insurance Quotes

It is important you know your coverage benefits since no two travel insurance plans are exactly the same. The last thing you want to assume is that travel insurance is a cookie cutter product.  We can assure you, it definitely is not! Comparing insurance quotes helps you avoid paying for an expensive policy with coverage that you may not need.

For example, if you are going on an adventure trip, there are certain policies that insure the gear you’re bringing with you and rental gear if, for some reason, that gear doesn’t make it to you in time for your excursion. Traveling for business? There are some policies that would reimburse you for that round of golf you missed due to a rain setback. If you are traveling with family, there are plans that cover your children at no additional cost.

So how much is this going to cost me? Travel insurance will cost you typically 4% to 12% of your total trip cost.  Compare policies with ease at  We know that you won’t find a lower price anywhere on the Internet.  We can 100% guarantee that!

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