Travel Insurance

Trip cancellations or interruptions

Trip cancellation insurance reimburses your non-refundable travel expenses if you have to cancel before departure due to covered reasons.

Trip interruption coverage kicks in if something happens after your trip has started.

Medical emergencies abroad

Most U.S. health insurance plans—including Medicare—don’t cover you outside the country. If you get sick or injured while traveling, you could face thousands in unexpected medical bills.

Lost, stolen, or delayed luggage

Luggage mishaps are one of the most common travel headaches. Travel insurance can reimburse you for essential items (like clothing or toiletries) if your bags are delayed, and replace the value of your items if your baggage is lost or stolen altogether.

Flight delays and missed connections

Weather delays, airline strikes, and mechanical issues can seriously disrupt your travel plans. Travel delay coverage reimburses you for meals, lodging, and transportation if your flight is delayed for a certain number of hours.

Emergency evacuations

If you’re injured in a remote area, have a serious medical emergency, or need to be transported to a better-equipped hospital (or even back home), emergency evacuation coverage pays for the transportation costs, which can be shockingly high—sometimes tens of thousands of dollars.

Supplier default (like a hotel or airline going out of business)

This lesser-known but important protection helps if a travel supplier goes out of business—like a cruise line, hotel, or tour operator—before or during your trip.

Types of Coverage

Here are the most common types included in a comprehensive travel insurance plan:

Trip Cancellation & Interruption
Reimburses you if you have to cancel or cut your trip short for covered reasons like illness, injury, or a family emergency.
Emergency Medical & Evacuation
Covers medical treatment and transportation if you get sick or injured while traveling (especially important outside the U.S., where your regular health insurance may not apply).
Baggage Loss or Delay
Helps replace your belongings if your luggage is lost, stolen, or delayed.
Travel Delay
Pays for meals, lodging, and other expenses if you’re delayed due to weather, mechanical issues, or other disruptions.
Cancel for Any Reason (CFAR)
An optional upgrade that lets you cancel your trip for reasons not typically covered (like changing your mind). Usually must be purchased within 14–21 days of your initial deposit.

When should you buy travel insurance?

The best time to buy is right after you book your trip. This ensures you’re covered for any unexpected issues that pop up between now and your departure, and gives you access to add-ons like Cancel for Any Reason.

Don't forget to download the STEP app:

Enroll in the U.S. State Department’s STEP Program (Smart Traveler Enrollment Program) to get important safety updates and help the local embassy contact you in an emergency. It’s free, fast, and smart!