Travel Insurance 101

If you can't afford to lose your travel investment, consider buying a travel insurance policy. We'll help you navigate the travel insurance maze and learn about the different types of travel insurance coverage.

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    Travel insurance on laptop
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    There are many different types of travel insurance. If you area US citizen planning to travel overseas and are insured by Medicare, you definitely need to buy a travel medical insurance policy. Learn about travel medical insurance, emergency evacuation insurance and more, and decide if you need insurance for your next trip.

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    Financial Default Insurance

    What happens if your airline or tour operator ceases operations before - or, even worse, during - your trip? Financial default insurance can help you recoup your losses if your travel provider declares bankruptcy.
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    Wouldn't it be nice if we could predict the weather when we booked our vacations? If you're planning a trip to an area known for tropical storms and hurricanes, you may want to investigate trip cancellation and trip delay insurance. Find out more about insuring your trip during hurricane season and learn when you should buy travel insurance.

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    Airlines do not compensate you for the full value of your clothing and personal items if your baggage is lost in transit. Will baggage and personal items loss insurance cover you if your suitcases go into Baggage Limbo? How much will you receive if you have to file a claim? Learn about the different types of baggage loss insurance and find out which losses are — and aren't — covered.

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    Trip cancellation insurance will reimburse you for the trip costs you have paid if you need to cancel your trip. The catch: You have to cancel your trip for a covered reason.

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    Medical Evacuation Insurance

    Medical evacuation insurance pays for you to travel to a local hospital or to your home hospital if you become ill or are injured during your trip.

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    Cancel For Any Reason Insurance

    Cancel For Any Reason (CFAR) insurance can be expensive, but it will help you recover most of your trip costs if you need to call off your trip for reasons that are not covered by other types of travel insurance.

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    Unfortunately, our world is not always peaceful.  If you plan to travel to a politically unstable area, you should research your travel insurance options as soon as you book your trip.  Find out more about civil unrest, war and travel insurance.

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    It is possible to buy travel insurance that covers delays and cancellations due to terrorism, but you will need to read the policy certificate carefully to be sure you understand your coverage. Many insurers who cover terrorism-related travel claims exclude certain events or situations, such as nuclear (dirty bomb) attacks.

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    Your travel insurance may cover you if your trip is affected by a labor strike, but only if you buy your policy at the right time and if the strike lasts long enough.

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    Travel Insurance and H1N1 (Swine) Flu

    What happens if you plan a trip and then come down with novel H1N1 (swine) flu? Can you insure yourself against this possibility? That depends on the circumstances of your trip and the type of coverage you buy. Find out more about H1N1 flu and travel insurance, and remember that the swine flu travel insurance situation continues to change.
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    Volcanic Events and Travel Insurance

    Travel insurance may or may not cover you if a volcanic eruption disrupts your trip. In the world of travel insurance, there is a difference between volcanic eruptions and volcanic ash events.