Trips & Travel

As the excitement of travel is at its peak in the summer months, it’s important to keep the belongings you travel with protected. Travel insurance is a type of policy that reimburses you for money you lose from non-refundable deposits and payments when something goes wrong on your trip. These problems can range from lost baggage to flight delays to medical problems.

The more you're spending on your trip, the more you likely need travel insurance. This is especially true for international trips and cruises, where travel problems become more expensive to solve.

Your vacation destination and itinerary play a significant role in determining how much coverage you might need. Let’s say you’re booking an overseas excursion with connecting flights that includes multiple sightseeing tours, entertainment at various venues and some exploration and sporty activities.

For a trip like this, consider a comprehensive travel insurance plan that includes things like baggage loss coverage, trip cancellation + trip interruption coverage, and medical expenses coverage.

It’s often crucial to have travel medical insurance for trips outside the country. This type of coverage pays “reasonable and customary charges” for costs such as:

  • Doctor bills
  • Ambulance service
  • Hospital room charges
  • Operating room charges
  • Examinations, X-rays and lab tests
  • Medicine

Travel insurance policies typically have exclusions for high-risk activities. For example, if you’re skydiving or parasailing during the trip, your travel medical insurance might not cover you if you get injured.

If your trip includes activities that vary from the traditional sightseeing or museum tours, make sure to get a policy that will cover your specific higher-risk activities. A travel insurance agent can help you find the right options based on your itinerary. Traveling is always more enjoyable with a plan in place.