Trip Insurance

Trip insurance takes the stress out of traveling by protecting your trip investment. Unforeseen events and emergencies can arise at any time, even while you’re on vacation, resulting in non-refundable trip expenses that may cost you. Pre-paid travel expenses such as airfare and hotel accommodations may not be refundable, and you won’t want to pay for flight or hotel change fees in the case that you have to cancel or interrupt your trip. Trip insurance covers such fees and cancellations, protecting any financial losses that may occur as a result of an unforeseen event.

Trip Cancellation Insurance

If you have to unexpectedly cancel your trip due to unforeseen events, trip cancellation insurance covers your non-refundable trip expenses such as airfare and hotel accommodations, reducing your risk of financial loss if you must cancel your travel plans.

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Multi Trip Insurance

Inclement weather conditions, flight delays, and lost passports are just some of the things that could delay your trip. Trip delay insurance covers additional expenses such as food and accommodation and additional transport costs in the case your travel plans are delayed.

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Cruise Insurance

Inclement weather conditions, flight delays, and lost passports are just some of the things that could delay your trip. Trip delay insurance covers additional expenses such as food and accommodation and additional transport costs in the case your travel plans are delayed.

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Why Do You Need Trip Insurance?

- Last Minute Cancellations

- Family Travel

- Evacuation

- Going on a Cruise

- Baggage Loss or Delay

- Lost or Stolen Passport

A typical trip insurance policy covers travel and trip related incidents such as trip cancellation, trip interruption, trip delay, missed flight connection, baggage loss, and rental car coverage, among other benefits. Like any insurance plan, trip insurance only provides trip cancellation and interruption coverage for covered reasons. However, some plans do offer a “cancel for any reason” option, allowing you to cancel your trip for reasons that may not be otherwise covered by your policy.

Death or illness of a family member may cause you to cancel your trip. Bad weather could result in missing your flight or delaying your trip. Your passport or baggage may get lost or stolen. These are just some of the situations in which trip insurance helps travelers. Remember that airlines, hotels, and cruises may not reimburse you for such incidents, even if it is their fault.

Although trip insurance is not mandatory, it is a good idea to have in case of any unexpected travel related issues. Travelers taking expensive trips are especially encouraged to purchase trip insurance to avoid the risk of losing a substantial trip investment.

Trip Insurance Example

Let's take an example of how trip insurance could protect your next trip: you have booked your family vacation four months in advance, adding up to about $5,000 in non-refundable expenses such as airfare, hotel accommodations, and prepaid activities.

Suddenly, days before your departure, your wife becomes extremely sick and is unable to travel. You have to cancel your trip. Even if the airline, hotel, and activities do not refund your expenses, trip insurance reimburses all non-refundable expenses, so you don't lose the money you invested in your trip.