VisitorsCoverage logo
Travel Insurance

What Kind of Travel Insurance Do US Residents Need for Domestic Travel?

What Kind of Travel Insurance Do US Residents Need for Domestic Travel?

If you’re a U.S. resident traveling domestically within the country’s 50 states, you may not be thinking about trip insurance. However, trip insurance can be a great addition to your travels, insuring crucial investments before you hit the road, set sail, or take flight. 

There are many different types of trip insurance available for U.S. residents, but before we get into all those, let’s talk about basic trip insurance. Basic trip insurance is a short-term insurance  that covers certain non-refundable expenses should you need to cancel or change your travel plans. Now that you have an idea of what trip insurance is, let’s be clear about what it it’s not. Trip insurance is not medical insurance. While trip insurance may offer some coverage if you get sick and need to cancel your plans prior to your departure date, it generally won’t cover any costs related to illnesses, injuries or hospital bills incurred during your trip. 

But that doesn’t mean that basic trip insurance isn’t worth adding to your packing list. Now more than ever travelers need to be prepared for the unexpected. And that’s exactly what a good trip insurance plan does.  With trip insurance, you can book your travel accommodation with confidence knowing you can recoup some financial expenses associated with certain prepaid travel expenses should your plans suddenly change. 

What exactly are these ‘prepaid travel expenses’? Well, it varies from policy to policy so it’s important to read the trip insurance plan benefits before purchasing a policy. Here are some of the non-refundable fees a trip insurance plan might cover:

Aside from this basic trip insurance, which will benefit every traveler, there are some travel insurance add-ons that will give you coverage for specific activities you might participate in as you travel the country.

If you want even more flexibility than standard trip insurance can offer, consider adding Cancel For Any Reason coverage. This extra coverage allows you to cancel for literally any reason, not just the ones specified in your basic trip insurance coverage.  With CFAR, you can get reimbursed for certain prepaid travel expenses, even if you decide you just don’t feel like going.

Looking for adventure? We’ve got trip insurance coverage for you. Say you’re headed off to Hawaii, you might be looking forward to some activities like scuba diving or snorkeling. Hiking enthusiasts will want to add hiking and mountaineering insurance to their backpacks before they set off on the PCT or climb the Rockies. If you’re planning on engaging in strenuous activities like these, you may have limited options but some trip insurance plans may include a sports or hazard rider that can give you some protection.

If you’re going on a cruise, you’ll need cruise insurance.  With this kind of insurance, cruise-goers can stay financially protected if they need to cancel their plans for a covered reason. Beyond that, cruise insurance may offer emergency evacuation coverage, which will help keep you safe should the ship need to be evacuated.

If you’re planning a road trip, one thing you might think about is car rental insurance. Adding rental car collision insurance to your trip insurance usually gives you more comprehensive coverage than if you were to get car insurance directly from the rental place. Likewise travelers flying to another state or city can find peace of mind with flight accident insurance.

In these uncertain times, insuring your travels with trip insurance can save you from the financial and mental stress that so often comes with trip planning. Paying a small amount up front for coverage can literally save you thousands should you need to cancel or change your trip plans.  


Related Articles

Can Layoffs Affect Your Health Insurance?

We’re all worried about the recent direction the U.S. economy has taken. Now, not only…

Return Of Mortal Remains/Repatriation- An Essential Benefit

Repatriation is a term that means ‘return of mortal remains’ and it’s a must-have feature…

Pre-certification: What, When & Why

Let’s get familiar with the term and process known as “pre-certification” to avoid any claim…

Medical Bills Can Be A Disaster for Uninsured Travelers

Rising medical expenses around the world leave many people with medical bills they can’t pay. Unpaid…

Ziplining

Soaring across the captivating blue sky amongst the green treetops in a beautiful rainforest can…

Infographics: Average Cost of Medical Services in the USA

For those who have never received medical care in the United States, the reality of…

Infographics: Tips for Travelers with Hypertension

Traveling with any sort of health condition can be inconvenient at times, where making sure…

Travel Medical Insurance: Why It’s Often Overlooked

These days, there is insurance for absolutely everything. Your life, your car, your home, your…

Why is Europe Travel Plus the Best Insurance for Europe?

*Updated July 28, 2021 From the glittering lights of the Eiffel Tower to the awe-inspiring…

What is Common Carrier Accidental Death Coverage?

Common carrier accidental death coverage is a travel insurance benefit that provides your beneficiary a…

Indian Consulate in Dubai Warns Travelers from India: Travel Insurance is a Must

On Monday, the Consulate-General of India in Dubai urged travelers from India to avoid devastating…

5 Reasons You Should Purchase Family Travel Insurance

There’s nothing like the excitement of a family trip. Whether you’re heading on a short…

Can Travel Insurance Cover Your Vacation Home Rental?

So, you’ve scoured the internet and booked the summer vacation home of your dreams. Before…

ETIAS Visa Waiver: Everything You Need to Know

Europe is one of the most-visited regions in the world. Travelers from all over the…

What Is Accident & Sickness Insurance?

When we travel abroad, our domestic health insurance won’t usually cover us. This is what…

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.