When planning a trip, travel insurance can protect you from unexpected costs due to cancellations, medical emergencies, and more. Whether you’re traveling domestically or internationally, these common coverage options can give you peace of mind during your journey:

1. Trip Cancellation & Interruption Insurance

Trip cancellation/interruption coverage reimburses you for non-refundable expenses if you have to cancel or cut your trip short due to:

• Illness or injury

• A family emergency

• Natural disasters or severe weather

• Airline or travel provider issues

It typically covers costs for flights, hotels, tours, and other prepaid travel expenses.

2. Emergency Medical Expenses Coverage

This essential coverage pays for unexpected medical costs while traveling, including:

• Doctor or hospital visits

• Emergency room services

• Surgeries and prescription medications

• Medical evacuations or repatriation

Ensure your plan includes adequate limits—especially when traveling abroad, where healthcare costs may be high.

3. Baggage & Personal Belongings Coverage

Baggage insurance reimburses you for lost, stolen, or damaged luggage and items, such as:

• Clothing and electronics

• Travel documents and identification

• Toiletries or essential items

This coverage is especially helpful for travelers connecting through multiple flights or visiting busy areas.

4. Travel Delay & Missed Connection Coverage

If your trip is delayed or canceled due to airline issues, weather, or other covered reasons, this insurance helps cover:

• Additional accommodation costs

• Meals and incidentals

• Transportation changes or rebooking fees

5. Emergency Evacuation Coverage

If a serious medical issue or a crisis requires urgent evacuation, this coverage pays for:

• Air or ground transport to the nearest medical facility

• Repatriation back home

• Assistance coordinating evacuation logistics

Especially important for travel to remote areas or high-risk destinations.

6. Rental Car Insurance

If you plan to drive abroad or rent a car during your trip, rental car insurance can help cover:

• Damage to the rental vehicle

• Theft or vandalism

• Liability for injuries or property damage to others

This coverage can supplement or replace the insurance offered by rental agencies.

7. Personal Liability Coverage

Personal liability insurance protects you if you accidentally:

• Injure another person

• Damage someone else’s property

• Cause legal action to be taken against you

It helps pay legal fees, court costs, and potential settlements.

Final Tip

Before purchasing a policy, compare coverage limits, exclusions, and deductibles to make sure it fits your travel plans and destination. A comprehensive travel insurance plan ensures you’re protected—no matter where your adventure takes you.