Disclaimer: The information in this article is for general guidance only and does not guarantee coverage. Please review your policy documents to understand the terms, benefits, and exclusions specific to your plan.
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What does travel insurance cover?

Travel insurance helps protect your trip investment from unexpected events like cancellations, delays, medical emergencies, and more.

🧳 What Does Travel Insurance Cover?

Travel insurance provides financial protection when your trip doesn’t go as planned. Whether you're facing a last-minute cancellation, a medical issue abroad, or a lost suitcase, the right travel insurance plan can help minimize the financial impact and reduce stress.

Here’s a breakdown of the most common coverage areas included in travel insurance:

🛑 Trip Cancellation

Reimburses prepaid, non-refundable trip expenses if you have to cancel your trip for a covered reason.
Covered reasons may include:

  • Illness or injury to you, a travel companion, or a family member

  • Natural disasters or severe weather

  • Death in the family

  • Job loss or required work relocation

  • Military deployment

  • Travel provider bankruptcy (in some plans)

✈️ Trip Interruption

Covers unused portions of your trip and additional transportation costs if you must return home early for a covered reason.

Example: You’re on a mission trip in Peru and must fly home due to a family emergency.

💼 Travel Delay

Reimburses expenses like meals, lodging, and transportation if your trip is delayed for a covered reason (such as a weather delay or airline strike).

💊 Emergency Medical Coverage

Pays for medical treatment if you get sick or injured while traveling — especially important for international trips where your regular health insurance may not apply.

🚑 Medical Evacuation & Repatriation

Covers emergency airlift or transport to the nearest appropriate medical facility, and return of remains in the event of death.

As Craig often says: “Medical evacuations don’t happen often—but they happen every day to someone.”

🧳 Baggage Loss or Delay

Reimburses the cost of lost, stolen, or delayed luggage and personal items.
Common coverage includes:

  • Clothing and essentials during a baggage delay

  • Replacement value of lost belongings (subject to plan limits)

❓ Other Optional Benefits

Depending on your plan, you may also have access to:

  • Cancel For Any Reason (CFAR) upgrade

  • Rental car damage coverage

  • Accidental death & dismemberment

  • 24/7 global travel assistance

🧠 Helpful Tip

Each plan is a little different. Always review your policy’s Schedule of Benefits and Description of Coverage for exact details. Our team is happy to help you understand what’s included.

🙋 Still Have Questions?

Contact us for help choosing the right plan:

 

 

⚖️ Disclaimer

The information provided in this article is intended for general guidance and educational purposes only. It does not constitute legal advice, a guarantee of coverage, or a promise of benefit payment. Each travel insurance policy is governed by its own terms, conditions, and exclusions.

It is the insured’s responsibility to review all policy documents carefully to understand what is and is not covered under their specific plan. For questions about your coverage, please refer to your Certificate of Insurance or contact our support team for assistance.