Travel Insurance

Travel insurance can protect against financial losses if you’re forced to cancel, delay or interrupt your vacation. Let us help determine if this type of coverage is right for you.

What Is Travel Insurance?

Travel insurance can protect against the loss of nonrefundable travel costs, such as airfare, hotel and tour expenses. Some types of travel insurance may offer protection against losses due to medical emergencies, damage to personal property and death, which may occur away from home on vacation.

Major Types of Travel Insurance

Trip cancellation coverage may reimburse you for prepaid travel expenses if you aren’t able to take your trip because
you or a family member becomes ill or dies.

Travel delay coverage may reimburse you for prepaid expenses if you aren’t able to take your trip because of a travel
delay, such as a flight delay or cancellation.
Trip interruption coverage may reimburse you for prepaid expenses if your trip is cut short because you or a family
member becomes ill or experiences another misfortune listed in the policy. Covered reasons might include bad weather,
airline strikes, terrorism, bankruptcy, jury duty or damage to your home.
Emergency medical expense coverage may reimburse you for medical and emergency dental expenses because of an
illness or injury while you’re traveling.
Medical evacuation coverage may provide emergency transportation to a hospital near your area of travel or back to a
hospital near your home.
Accidental death coverage may be split into three parts:
◦ Air flight accident covers death or dismemberment during a flight only.
◦ Common carrier covers death or dismemberment while traveling on public transportation, such as a plane, ferry, train,
bus or taxi.
◦ Accidental death covers death or dismemberment at any time during a trip.

The Basics

No travel policy can guarantee your safety when you’re traveling, but knowing you’re covered for medical emergencies or the loss of personal property may help you relax and enjoy your vacation.

In addition to a travel insurance policy, cruise and tour operators may offer cancellation waivers. Read all of the restrictions before you buy a cancellation waiver.

Your vacation may have taken months to plan. Ensure your investment in minutes for nonrefundable losses with a travel insurance policy.