Travel Insurance
Trip cancellation, emergency medical abroad, evacuation, delay and baggage cover for family holidays, cruises and business travel.
$150,000
Medical evacuation cases can exceed
14–21 days
Best purchase window
4–8% of trip cost
Typical premium
180+
Countries covered
Cover that fits your life, explained properly
A family of four cancelling a $7,000 holiday because a child breaks an arm two days before departure loses the whole deposit unless the trip was insured. Domestic health insurance generally stops at the US border, and Medicare covers almost nothing abroad — so an appendectomy in Greece or a scooter accident in Thailand becomes a five-figure cash demand, sometimes with the hospital refusing discharge until it is paid.
Travel insurance fixes both problems, and it must be bought early. Most carriers only offer their best benefits — pre-existing condition waivers, cancel-for-any-reason upgrades and financial-default cover — if the policy is purchased within 14 to 21 days of your first trip payment. Buy it the day you book, not the week before you fly.
We compare single-trip plans, multi-trip annual plans for families who travel three or more times a year, cruise-specific cover with missed-connection benefits, and annual business travel plans. We will also tell you when your credit card's built-in travel cover is genuinely enough, so you do not pay twice.
What travel insurance covers
A summary of what a well-built policy includes. Exact limits, sub-limits and endorsements are set out in your written quote and in the carrier's policy wording.
Trip cancellation
Reimburses your non-refundable costs if you must cancel for a covered reason: illness, injury, death in the family, jury duty, hurricane warnings or job loss.
Trip interruption
Pays the unused portion plus the often-expensive last-minute fare home if you must cut a trip short.
Emergency medical & dental
Hospital and doctor costs abroad, typically $50,000 to $250,000, including prescription medication and follow-up.
Emergency medical evacuation
Air ambulance to the nearest adequate hospital, or repatriation home — the single most valuable benefit, with real cases exceeding $150,000.
Travel delay
Meals, accommodation and essentials when a delay exceeds 5–12 hours, plus catch-up transport costs.
Baggage loss, damage & delay
Reimbursement for lost, stolen or damaged luggage, and essentials purchases if bags arrive more than 12–24 hours late.
Missed connection
Extra fare and transport costs to rejoin a cruise or tour after a carrier-caused delay — essential for cruises.
Cancel for any reason (upgrade)
Typically reimburses 50–75% of trip cost for any reason at all, if purchased within the early-booking window.
Exclusions and important conditions
Most denied claims fail because of an exclusion the policyholder never read. These are the ones that matter most on travel insurance policies.
- Known, foreseeable events — a named hurricane, a strike or a government travel advisory already announced before you bought the policy.
- Pre-existing medical conditions, unless the waiver requirements are met (insured trip cost, purchase within 14–21 days of first payment, medically able to travel on the purchase date).
- Losses while intoxicated, or injuries from unlicensed operators of scooters, motorbikes and jet skis.
- High-risk activities such as mountaineering above a set altitude, skydiving, scuba beyond recreational depth, or professional sport — unless an adventure rider is added.
- Routine medical care, elective treatment, pregnancy beyond a set gestational age and non-emergency dental work.
- Trips to countries under a State Department Level 4 'Do Not Travel' advisory at the time of purchase.
How we prevent surprises
- We walk you through the exclusions before you buy, not after a claim.
- We add endorsements where a gap can be closed for a few dollars a month.
- You receive the full policy wording and declarations page by email on day one.
- Your claims advocate reviews any settlement offer with you before you accept it.
Request your travel insurance quote
Takes under two minutes. An advisor replies within one business day with a written comparison.
Secure form. We never sell your details.
Plans families and travellers choose
Every family and business is different. These levels show the shape of what we build; your quote is tailored and priced from your own details.
Basic Trip
- $25,000 emergency medical
- $150,000 medical evacuation
- Trip cancellation up to trip cost
- Baggage delay & loss $750
- 6-hour travel delay cover
- Cancel for any reason
- Pre-existing condition waiver
Family Comprehensive
- $100,000 emergency medical
- $500,000 medical evacuation
- Trip cancellation & interruption — full trip cost
- Baggage loss $2,000 per person
- 5-hour delay + missed connection $1,000
- Pre-existing condition waiver
- Children under 17 covered free
Annual Multi-Trip + CFAR
- Unlimited trips up to 90 days each
- $250,000 emergency medical per trip
- $1M medical evacuation per trip
- Cancel for any reason — 75% refund
- Adventure sports rider included
- Rental car collision damage waiver
- Best value from 3 trips a year
Indicative cost for a 10-day international trip, family of four, $7,000 trip cost. Premiums are usually 4–8% of the insured trip cost.
Travel Insurance FAQs
Straight answers to the things people ask us most about travel insurance.
Protect the rest of your world too
Two or more policies with one advisor means one renewal date, one claims number and typically 12–18% less in total premium.