Travel Insurance That Protects Trip Costs and Medical Risk

Travel insurance can help reimburse non-refundable trip expenses and provide emergency medical and evacuation protection—especially important when traveling internationally.

Explore Coverage

Travel Coverage Target Estimator

Get a quick baseline for cancellation, medical, and baggage coverage

This tool provides directional targets and does not reflect a specific carrier’s benefits or exclusions.

What Impacts Travel Insurance Cost?

Pricing usually reflects trip value, traveler risk, and benefit levels

Trip cost and refundable mix

Higher non-refundable expenses generally increase the amount at risk and the cost to insure.

Destination and duration

International travel and longer trips can elevate medical and interruption exposure.

Traveler profile

Age, medical concerns, and activity plans can influence eligibility and pricing.

Travel Insurance Overview

Complete protection for your domestic and international travel

Trip Cancellation

Reimbursement for non-refundable trip costs if you need to cancel for covered reasons.

Medical Coverage

Emergency medical and dental coverage while traveling, including medical evacuation.

Baggage Protection

Coverage for lost, stolen, or damaged luggage and personal belongings during travel.

Benefits of Our Travel Insurance

  • Trip Protection: Coverage for cancellations, interruptions, and delays
  • Medical Emergency: Worldwide medical and dental coverage
  • Emergency Evacuation: Medical evacuation and repatriation services
  • 24/7 Assistance: Round-the-clock travel assistance and support
  • Baggage Coverage: Protection for lost, stolen, or damaged belongings
  • Adventure Sports: Optional coverage for high-risk activities

Coverage Types

Comprehensive travel protection for every type of trip

Essential Coverage

  • Trip cancellation & interruption
  • Emergency medical expenses
  • Emergency dental coverage
  • Medical evacuation
  • Baggage loss & delay
  • Travel delay coverage

Additional Benefits

  • 24/7 emergency assistance
  • Accidental death & dismemberment
  • Missed connection coverage
  • Rental car damage
  • Adventure sports coverage
  • Pre-existing condition waiver

Who Needs Travel Insurance?

Essential protection for all types of travelers

Families

Protecting family vacations and group travel investments

Business Travelers

Coverage for frequent business trips and corporate travel

Adventure Seekers

Protection for high-risk activities and adventure travel

Senior Travelers

Enhanced medical coverage for older travelers

If You Need to File a Claim

Documentation and timing matter for reimbursement

Trip cancellation or interruption

  • Keep receipts and booking confirmations showing non-refundable amounts.
  • Collect supporting documents for the covered reason (as applicable).
  • Submit notice promptly and track deadlines in the policy.

Medical claims abroad

  • Request itemized invoices and medical notes where possible.
  • Save proof of payment and any prescriptions.
  • Confirm whether pre-authorization is required for evacuation services.

Frequently Asked Questions

Get answers to common travel insurance questions

You should purchase travel insurance as soon as you make your first trip payment or deposit. Buying early ensures maximum coverage benefits, including pre-existing condition waivers and "cancel for any reason" options if available.

Trip cancellation covers non-refundable trip costs if you cancel for covered reasons such as illness, injury, death of family member, severe weather, job loss, jury duty, or other specified events listed in your policy.

Pre-existing conditions can be covered if you purchase insurance within a specified time frame (usually 14-21 days) of your initial trip deposit and meet other requirements. Coverage varies by policy, so review terms carefully.

Travel insurance typically costs 4-10% of your total trip cost. Factors affecting price include trip cost, length, destination, age of travelers, and coverage level. A $3,000 trip might cost $120-$300 to insure.

Travel insurance is comprehensive coverage including trip cancellation, medical, baggage, and other benefits. Travel medical insurance focuses specifically on medical emergencies and evacuation while traveling, without trip cancellation coverage.

Travel with Peace of Mind

Get comprehensive travel insurance coverage and protect your investment in unforgettable experiences.

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