Travel Insurance: What do I recommend?

Travel insurance is one of the most important, and often overlooked, parts of planning a trip. Whether you’re heading out on a weekend getaway or embarking on a months-long adventure, travel insurance offers financial protection and peace of mind when the unexpected happens.

You should always consider travel insurance and you should definintely get insurance if you are traveling abroad. Insurance often covers the cost of canceling and also covers medical expenses.

My Top Travel Insurance Recommendation: Visitors Coverage

What Does Travel Insurance Cover?

Coverage varies by provider and policy, but most travel insurance plans include:

• Trip Cancellation & Interruption: Reimburses prepaid travel expenses if you have to cancel or cut your trip short due to illness, emergencies, natural disasters, or other covered reasons.
• Emergency Medical Coverage: Covers costs for medical treatment if you get sick or injured while traveling — especially important if you’re traveling internationally.
• Baggage Loss & Delay: Offers reimbursement if your bags are lost, stolen, or delayed.
• Travel Delay: Covers unexpected expenses like meals or lodging if your trip is delayed due to weather, airline issues, or other factors.
• Emergency Evacuation: Provides assistance and coverage if you need to be transported due to a medical emergency or natural disaster.
• 24/7 Assistance: Many providers offer a hotline you can call for help with medical referrals, travel changes, and more.

Do You Really Need It?

Travel insurance is especially valuable if:

• You’ve invested a lot in non-refundable bookings
• You’re traveling internationally or to remote areas
• You have health insurance that doesn’t cover you abroad
• You’re worried about cancellations due to weather, illness, or world events

Tips for Buying Travel Insurance

• Compare plans and read the fine print: understand what’s covered and what’s excluded.
• Buy early: you’ll get the best coverage (like cancel-for-any-reason policies) when you purchase soon after booking your trip.
• Consider your needs: adventure travelers, families, and seniors might want more robust coverage.
• Use reputable providers: look for companies with strong reviews and accessible customer service.