Travel Insurance: Protect Your Investment

Understanding travel insurance can be confusing, even for experienced travelers. The coverage varies by state and provider, but here’s a basic breakdown to help guide you.

There are five main types of travel insurance: trip cancellation and interruption, medical, evacuation, baggage, and flight insurance. What you need depends on your journey, your travel style, and how often you travel. Most people opt for a comprehensive package that combines several types, including medical and trip cancellation, though you can choose a specific type if needed.

Remember that your regular health insurance may not cover you while traveling, especially for emergencies abroad or on cruise ships. Be sure to check your policy details or consult with a provider.

You should avoid purchasing insurance from the same company hosting your trip, as their coverage can disappear if they go out of business. Many companies offer comprehensive coverage as your primary travel insurance, saving you paperwork and out-of-pocket costs.

When deciding whether insurance is worth the investment, consider the cost of your trip. It might not be necessary for a short, inexpensive getaway, but for a major vacation, it’s definitely worth the peace of mind.

Travel insurance can maximize fun and minimize risk—choose the right plan. If you have any questions or need help selecting the best coverage, we're here to help! Feel free to reach out and chat with us.