Do You Need Travel Insurance?

Travel insurance helps protect you from financial risks during your trip, including accidents, illness, trip cancellations, lost or stolen luggage, theft, emergencies, or evacuation. Whether you need it depends on your health, trip cost, prepaid expenses, existing coverage, and personal risk tolerance.

Key Types of Coverage

• Trip Cancellation & Interruption: Reimburses prepaid costs if you or a family member cannot travel due to illness, emergencies, missed flights, or tour company failures.
• Medical & Evacuation: Covers treatment and emergency transport, including helicopter evacuation in remote areas. Some policies cover pre-existing conditions.
• Baggage & Theft: Protects against lost, delayed, or stolen luggage, often supplementing homeowners or renters insurance.
• Flight & Rental Coverage: Flight insurance is optional; rental car collision coverage may be included or added.
• Cancel-for-Any-Reason (CFAR): Optional higher-cost coverage for personal trip cancellations, including pandemic-related concerns.

Important Considerations

• Read the policy carefully to understand what is and isn’t covered, especially for natural disasters or pandemics.
• Policies vary by provider, location, and travel type; ask questions and check details.
• Purchase insurance soon after booking to maximize coverage.
• Know how your policy interacts with existing health, home, or credit card coverage.

While travel insurance cannot eliminate all risks, it provides financial protection and peace of mind, helping you travel with confidence. Choosing the right coverage depends on your personal situation, trip cost, and risk tolerance.