Travel Insurance 101
When You Need It:
Any trip where you'd be upset about losing money if something went wrong
International travel (medical coverage is crucial)
Cruises (you're out the money if you miss the ship)
Destination weddings (too many moving parts to risk it)
Trips booked far in advance (life happens in 6+ months)
Travel during hurricane season or unpredictable weather
What's Typically Covered:
Trip cancellation and interruption (illness, injury, family emergency)
Medical expenses and emergency evacuation abroad
Lost, stolen, or delayed baggage
Travel delays and missed connections
24/7 emergency assistance hotline
What's Usually NOT Covered:
Pre-existing conditions (unless you buy insurance within 14-21 days of first deposit)
"Changing your mind" about the trip
Known events (like an approaching hurricane after booking)
High-risk activities unless specifically added
Our Recommendation: Buy insurance within 14-21 days of your first trip payment to get the best coverage, including pre-existing condition waivers. We help you understand what you actually need, not what insurance companies want to sell you.
Types of Coverage:
Basic: Trip cancellation and medical (most common)
Cancel For Any Reason (CFAR): Costs more but covers you even if you just change your mind (must buy within 14-21 days and costs 50% more)
Medical Only: For international travel when you're not worried about trip costs
How We Help: We recommend coverage based on your specific trip and risk tolerance, not commissions. Then we explain it in plain English so you actually understand what you're buying.