Travel Insurance

What Is Travel Insurance?

Travel insurance is a type of insurance that provides coverage for unexpected events that can occur while traveling. Whether you’re traveling domestically or internationally, having travel insurance can help protect you and your belongings. We will help you understand the different types of travel insurance, the benefits of having it, and how to choose the right plan for your needs.

Types of Travel Insurance

  • Trip cancellation insurance: Provides reimbursement for non-refundable expenses if you have to cancel your trip due to unforeseen circumstances.
  • Travel medical insurance: Provides coverage for medical expenses while traveling.
  • Emergency medical evacuation insurance: Covers the cost of emergency medical evacuation and transportation to a medical facility in case of a serious illness or injury.
  • Baggage and personal belongings insurance: Covers the loss or damage of your luggage and personal belongings while traveling.
Happy asian family on a road trip in their car. Dad, mom and daughter are traveling by the sea.Parents holding their children.Summer ride by automobile.

Benefits of Travel Insurance

  • Peace of mind: Knowing that you’re covered in case of an unexpected event can help you enjoy your trip with greater peace of mind.
  • Financial protection: Travel insurance can provide reimbursement for non-refundable expenses and cover medical expenses, that can help protect your finances.
  • Emergency assistance: Many travel insurance plans provide 24/7 emergency assistance, which can be invaluable if you need help while traveling.
  • Convenience: Travel insurance can provide a convenient way to purchase multiple types of coverage in one package.

How to Choose Travel Insurance

  1. Your destination: Consider the risks associated with your destination, such as natural disasters or political unrest.

  2. Your activities: If you’ll be participating in high-risk activities or sports, you may need additional coverage.

  3. Your health: If you have a pre-existing medical condition, it may be necessary to choose a plan that offers more extensive medical coverage.

  4. Your budget: Look at the costs associated with each plan, including premiums, deductibles, and coverage limits.


Travel insurance policies can vary, but most provide coverage for medical emergencies, trip cancellations and interruptions, lost or delayed luggage, emergency medical evacuation, and personal liability. Some policies may also offer coverage for adventure activities and sports.

It's recommended to buy travel insurance as soon as possible after booking your trip, as some policies may have specific coverage limitations or requirements that need to be met. Purchasing insurance early can also help you avoid potential gaps in coverage.

Most travel insurance policies come with a free-look period, which allows you to cancel your policy and receive a full refund within a specified timeframe (usually 10-14 days) after purchasing the policy. After the free-look period, cancellation fees may apply, and refunds may be prorated based on the length of coverage.