Travel Insurance 101: What It Covers (and Why You Might Need It)

You’ve booked the flights, reserved the resort, and started daydreaming about sunshine and relaxation. But what happens if something unexpected comes up before or during your trip? That’s where travel insurance steps in.

While it may not be the most glamorous part of vacation planning, travel insurance can save you time, money, and stress when things don’t go exactly as planned. Let’s break it down so you know what to expect.

What Travel Insurance Usually Covers

💳 Trip Cancellation or Interruption
If you have to cancel due to illness, family emergencies, or other covered events, you can be reimbursed for non-refundable costs.

🧳 Lost or Delayed Luggage
If your bags are delayed or lost, insurance can help cover essentials and replacements.

✈️ Travel Delays
Weather or airline issues can leave you stuck. Insurance helps with extra costs like hotels, meals, and rebooking fees.

⚕️ Emergency Medical Coverage
Most U.S. health insurance doesn’t cover you abroad. Travel insurance often includes emergency medical treatment and evacuation if needed.

What Travel Insurance Usually Doesn’t Cover

❌ Canceling just because you “changed your mind.”
❌ Pre-existing conditions (unless you purchase a policy with that coverage).
❌ Risky activities like extreme sports (unless added as a rider).

Why It’s Worth Considering

Travel is an investment. Travel insurance is the safety net that protects that investment — whether it’s a honeymoon, a family getaway, or a dream vacation you’ve saved years for.

I always provide clients with insurance options, but the final decision is yours. My role is to guide you through what’s available so you can choose the coverage that gives you peace of mind.

Final Thoughts

Travel should feel effortless, from the moment you book until the day you return home. With the right insurance in place, you can relax knowing you’re protected if the unexpected happens.

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