Travel

Travel insurance is a plan that keeps you protected you from certain financial risks and losses that can occur while traveling. These losses can be small, like a delayed suitcase, or big, like a last-minute trip cancellation or a medical emergency.

In addition to financial protection, the other huge benefit of travel insurance is access to helpful services like travel and medical experts. They can serve as interpereters, help you replace a lost passport, and more.

You can usually purchase coverage any time before the date of your trip. However, it’s always best to buy coverage as soon as you make your reservations. The sooner you do so, the sooner you’ll be protected and the more benefits you may be eligible for.

Cancellation insurance for your trip has the potential to reimburse you for the entire cost of your nonrefundable and prepaid trip expenses if you need to cancel for a covered reason. These reasons may be:

The death of a travel companion, business partner, or family member (with policy variations on defining family members).

Injury or illness affecting you or a travel companion, supported by documentation from a medical professional.

Complications arising from pregnancy for either you or your travel companion.

Traffic accident while en route to departure.

Mechanical breakdown or other failure of your transportation.

Mandated shutdown of an airport or air traffic control system.

Airport or air traffic control shutdown due to fire or power outage.

Mandatory evacuation due to an unforeseen natural disaster.

Sudden and severe weather conditions.

Uninhabitable conditions of your home or trip lodging due to a natural disaster, vandalism, or burglary.

Hurricane warning or hurricane watch (assuming the policy was purchased before the storm was named).

Jury duty.

Terrorist attack.