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Even in the best of times, it is always wise to take as many precautions as possible within reason to protect your health, your family, and your finances when traveling. Planning intelligently means preparing for possible difficulties during your trip, and this is where factoring in travel insurance comes into play.

Traveling tends to go much more smoothly when planned accordingly, so let’s invest the time to better understand just what value travel insurance brings to the table in terms of protection for you and your family.

Travel insurance policies all vary greatly in terms of coverage and pricing, so making sure to understand just what travel insurance is, what exactly is covered under travel insurance, and the factors to consider when selecting a policy are absolutely important when planning your next trip.

Let’s start with some basics and take it from there.

What is Travel Insurance and Why Do I Need It?

Traveling can be exciting and even downright intoxicating at times, but let’s not ignore the fact that there is also no shortage of risk. Travel insurance mitigates risk and helps to prepare for possible worst-case scenarios by offering a degree of protection from monetary loss. You are protected by your travel insurance policy starting the day after you purchase the policy (for pre-departure trip cancellation benefits) and from the day you leave on your trip to the day you return home, for post-departure benefits such as emergency medical, evacuation, trip interruption and more.

Travel insurance is an insurance policy that you can pay into in order to have a degree of protection for medical emergencies, trip cancellation, baggage loss / delay, evacuation, and more. Should these unfortunate circumstances occur, and you are without travel insurance, then you are liable for the entirety of any possible financial burden. If you have invested in a travel insurance policy, however, then you can be reimbursed for the costs associated with these challenges.

Reviewing the potential mishaps that can occur during travel helps to underscore the need for a reliable travel insurance provider. Learning the specifics of what is covered by travel insurance policies will help to guide you in your travel planning and decision making.

What is Covered Under Travel Insurance?

  • Baggage and Personal Items Loss: Through theft or accidents, we may lose our luggage, wallets, or other vital items. Travel insurance can provide reimbursement for the lost items so you can get some replacements. No one wants to remain in the same pair of clothes or not have a toothbrush while traveling.
  • Trip Interruption and Cancellation: There are times that circumstances beyond our control throw a curveball at our travel plans, and having a trip suddenly cancelled can be a frustrating challenge. Trip cancellation coverage can ensure that you are reimbursed in the event of unexpected covered cancellations. Not being able to enjoy your stay is painful enough but losing money in the process is even worse.
  • Emergency Medical Coverage: Domestic health insurance policies may have exclusions that prevent coverage for situations that occur while on vacation abroad or traveling in general. Emergency medical coverage will make sure to keep you protected while traveling, where a traditional policy might fail to do so.
  • Emergency Evacuation: We all know that an ambulance ride can be quite costly, and a helicopter or boat rescue can cost even more. Travel insurance policies with evacuation coverage help to protect you from the costs associated with an emergency evacuation. We like to think that nothing will happen to us on our vacation or trip, but life can be chaotic, so it never hurts to prepare for the worst and hope for the best.
  • Accidental Death and Dismemberment: Worst-case scenarios are never fun to ponder, but we must factor them in when making plans for travel and vacations. You can make sure that your family is financially taken care of should the worst occur while you are traveling, and you experience loss of life, sight or limb.
  • Rental Car Coverage: Driving a rental can be fun and exciting but having to pay for damages to a rental car can really take the fun out of travel. A solid travel insurance policy can extend coverage that will shield you from having to pay for possible damages to rental vehicles.
  • Delays to Travel and Flight Cancellation: Here’s another example of a circumstance beyond your control that can cause you to lose out on money spent. Flight cancellations and delays due to weather and other disruptions are not unheard of, so preparing for such a possible outcome with a travel insurance policy can help to protect you from losing money should such an event occur.

Factors to Consider When Selecting Travel Insurance

  • Duration of Trip: The duration of your trip is a factor that will affect the pricing for travel insurance policies. Generally speaking, the longer the trip or vacation, the higher the price of coverage.
  • Your Age: With standard insurance policies, the older you are, the more costly the coverage. Travel insurance policies tend to follow that same trend.
  • Pre-Existing Conditions: Specific policies will include or exclude certain pre-existing health conditions. Doing your due diligence to ensure that you have the appropriate travel insurance coverage is vital.
  • Degree of Risk: The riskier the location or activity, the higher the cost of the travel insurance policy. Some places and activities are considered too extreme for many insurers to cover. Performing proper research on your travel insurance policy coverage is particularly important in this regard.
  • Degree of Coverage: Not all policies provide the same level of coverage. The more items you want to be covered in a policy, the greater the cost. Cheaper policies will likely cover fewer potential perils.


Travel insurance policies can vary greatly in terms of coverage available and price points. With that in mind, it is important for any savvy traveler to invest the time to research and understand which travel insurance policies are ideal for their specific travel needs.

Trip and travel cancellations, medical emergencies, theft and property loss, evacuations, and more are all serious circumstances that can occur while abroad, so having contingencies in place can make the difference between an inconvenience and a disaster.

Review the factors listed above to help you narrow down just what kind of travel insurance policy you need to consider well before you take your next trip.

Traveling for business or pleasure should be treated with the gravity of an investment, as they both can be costly and require a degree of serious planning. No one likes to take sizable financial losses, especially while away from home.

Take the proper steps to ensure that you and your family are protected from potential crippling monetary loss with travel insurance.


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