Travel insurance.
With you in mind.

Coverage depends on the plan, but most policies bundle a few core protections. Trip cancellation insurance reimburses prepaid costs if you must cancel for a covered reason, and trip interruption helps if you have to cut a trip short. Travel medical insurance pays for emergency treatment if you get sick or injured away from home, and medical evacuation insurance covers transport to a suitable hospital. Many policies also cover delayed or lost baggage and travel delays. Every policy has exclusions, so we’ll walk through the details before you buy.

There’s no flat price. The cost of travel insurance plans usually depends on your trip cost, your age, your destination, trip length and the coverage you choose, and it’s often a small percentage of what you’ve prepaid. A short domestic getaway costs far less than international travel insurance for a long trip abroad with higher medical limits. Add-ons such as cancel for any reason coverage raise the price. We’ll show you a few options side by side so you can see the difference.

It depends on why you cancel. A trip cancellation insurance benefit usually reimburses your prepaid, non-refundable costs when the reason is covered, such as a serious illness or injury, a death in the family, or severe weather that stops you from traveling. Changing your mind or a scheduling conflict at work typically isn’t covered. If you want more flexibility, some carriers offer a cancel for any reason upgrade, which usually repays only part of your costs and has to be bought soon after your first trip payment.

Sometimes. Many policies exclude conditions you had before you bought, yet a pre-existing condition waiver may be available if you buy soon after your first trip deposit, commonly within 14 to 21 days, and insure the full prepaid cost. Your condition usually has to be stable for a set period before you buy. Travel medical insurance rules differ by carrier and plan, so we’ll review your situation before you travel.

Often only in the U.S., and sometimes not even then for out-of-network care. Many domestic health plans offer little or no coverage abroad, which is why travel medical insurance and medical evacuation insurance matter for international trips. We can look at your current coverage with you and show you where the gaps are.

Yes, with the right plan. Cruise travel insurance can cover things a regular policy may not, such as a missed departure, cabin confinement, trip interruption and missed ports of call. Medical care at sea can be costly, and getting you off a ship or out of a remote port is where medical evacuation insurance matters. Cruise lines often offer only credits for cancellations, so check how your policy treats prepaid cruise costs.

In most cases, quickly. After you apply and pay, your policy documents are usually emailed within minutes, and many carriers include your ID card in that email or send it within about 24 hours. Timing varies by carrier. Buy before you leave and ideally soon after you book, since some benefits depend on when you purchase.

Start by contacting your insurer or its assistance line as soon as possible, and for a medical emergency call before you pay for major treatment if you can. Keep receipts, medical records, police or airline reports and any proof of the delay or loss. Then submit the claim form with those documents, usually online. Claim deadlines vary by policy, so don’t wait. We’re happy to help you gather what you need.