What All Travelers Should Know About Travel Insurance
Travel insurance helps cover the cost of unexpected events that may occur before or during your trip—such as illness, injury, delays, or lost baggage. By paying a premium, travelers transfer the financial risk of these events to an insurance provider. Some policies even offer protection before your journey begins, like coverage for trip cancellations due to a serious illness or a family emergency. With travel providers enforcing stricter cancellation policies, this protection can help prevent major financial loss. Other plans offer coverage for situations like terrorism or a travel supplier going out of business. We can assist in finding a plan that aligns with your travel needs and concerns.
Types of Travel Insurance Plans
Trip Protection
These policies typically reimburse non-refundable trip costs if your plans are disrupted by emergencies such as illness, death in the family, airline strikes, or the bankruptcy of a travel provider.
Group Travel Insurance
Ideal for groups of 10 or more traveling to the same location, this option provides coverage tailored to group needs and can often be more cost-effective than individual plans.
Global Risk Insurance
This type of coverage addresses risks not usually included in standard travel or international health insurance—providing protection for unique or high-risk scenarios worldwide.
Travel Medical / International Medical Insurance
Designed for individuals spending time abroad (anywhere from two weeks to two years), these plans reimburse for medical care received while overseas.
Emergency Medical Evacuation Insurance
These plans cover the cost of medically necessary transportation—whether it’s to the nearest appropriate facility or back home—if you become seriously ill or injured during your travels.
Annual Multi-Trip Insurance
Perfect for frequent travelers, this coverage protects all trips taken within a year. Coverage limits vary by plan, with trip durations ranging from 30 to 180 days.