Travel Insurance — Basics

Travel insurance covers different risks: trip cancellation/interruption, emergency medical, evacuation, and baggage loss. Coverage details and exclusions vary widely.

Types of Coverage

Trip Cancellation/Interruption: Reimburses prepaid, non-refundable costs for covered reasons.
Emergency Medical & Evacuation: Covers medical costs abroad and emergency transport.
Baggage & Delay: Reimbursement for delayed, lost or damaged luggage.
Cancel For Any Reason (CFAR): Optional add-on that broadens coverage but is more expensive and requires purchase soon after booking.

Common Exclusions & Warnings

Pre-existing medical conditions are often excluded unless a waiver is purchased or policy rules met.
Many policies exclude high-risk activities (e.g., certain adventure sports) unless specifically added.
Read the definition of "covered reason" and claim filing deadlines carefully.

Helpful Links & Providers

InsureMyTrip — comparison site to compare policies and read user reviews.
TravelInsurance.com — marketplace and educational resources.
U.S. Department of State — Traveler safety & info
CDC — Travel health information — vaccines and health notices by destination.
Allianz Global Assistance — major travel insurer with policy guides.
World Nomads — popular with adventure travelers.

Tip: Buy insurance promptly after you book to ensure coverage for pre-departure events; compare limits for medical and evacuation.

Questions? Back to homepage or Book a Trip.

This page is informational and not an endorsement of any provider. Read full policy documents before purchase.