Travel Insurance Coverage

For most trips, yes. Medical emergencies abroad can cost $50,000+, and trip cancellations can lose you thousands in non-refundable bookings. Insurance costs 4-10% of trip cost but can save you from financial disaster. It's especially critical for expensive trips, international travel, adventure activities, and travelers with pre-existing conditions.

Standard policies cover: trip cancellation/interruption, emergency medical expenses, emergency evacuation, baggage loss/delay, travel delays, and 24/7 assistance. Premium plans may add Cancel For Any Reason (CFAR), adventure sports coverage, rental car protection, and higher coverage limits. Always read the policy details as coverage varies significantly.

Travel insurance typically costs 4-10% of your total trip cost. For a $3,000 trip, expect to pay $120-$300. Factors affecting price: trip cost, duration, destination, age, coverage level, and add-ons like CFAR. Annual multi-trip plans cost $250-$500 and cover unlimited trips for a year.

Yes, but act fast! You can buy insurance any time before departure, BUT to get maximum benefits (pre-existing condition waivers, CFAR eligibility), you must purchase within 10-21 days of your initial trip deposit. The sooner you buy, the better your coverage and options.

Most policies now cover COVID-19 like any other illness for medical treatment and trip cancellation IF you purchase before getting sick. Coverage includes: testing positive before departure, getting sick during travel, quarantine costs, and medical treatment. CFAR policies also let you cancel due to COVID concerns even if not sick.

Common exclusions: Pre-existing conditions (unless waived), Cancel For Any Reason without CFAR add-on, extreme sports without adventure coverage, traveling against government warnings, alcohol/drug-related incidents, and "foreseeable" events like hurricanes in hurricane season. Each policy has specific exclusions - always read the fine print.