Why Travel Insurance Matters for Your Vacation
Vacation should feel like a break – not another thing to stress about. Enter: Travel Insurance.
Every trip looks different. Maybe you’re hiking up a mountain. Maybe you’re chasing the kids around Disney. Or maybe you’re relaxing on the beach with nothing on your schedule. No matter how you travel, you can buy coverage that fits your trip.
When you buy travel insurance, you protect the money you’ve already spent. Add up everything you prepaid and can’t get back, flights, hotels, tours, cruises, and include that total when choosing a plan.
What Comprehensive Vacation Insurance Covers
You will most likely find what you need in a comprehensive policy. They are designed to cover a wide range of travel-specific concerns for the average person and offer benefits ranging from trip cancellation or interruption to baggage loss or delay. The policies are intended to help you recover those losses, as well as provide additional coverage in case you become ill or injured while traveling or that your property is lost, stolen, or damaged.
Our Vacation Insurance Options
- Comprehensive plans: Broad coverage for trip cancellation/interruption, baggage issues, travel delays, emergency medical, and evacuation.
- Trip cancellation plans: Focused protection for prepaid, non-refundable trip costs if you must cancel or interrupt for a covered reason; optional Cancel For Any Reason may be available.
- Adventure and sports coverage: Plans or add-ons for activities like hiking, mountain biking, or skiing; consider activity-specific travel coverage offered by SOVENTURE.
Choosing the Right Plan for Your Type of Vacation
When comparing travel insurance providers and plans, take note of any extra benefits that may be available in the plans. Some plans are specifically designed for families vacationing together; others provide better coverage for international travel.
Tailoring Coverage to Your Needs
Everybody’s vacation is going to be different from the next, but we know you’ll find the right policy for you here at InsureMyTrip. Do research and know what types of vacation insurance coverage are available on various plans. When considering trip cancellation or trip interruption coverage think about all the travelers and non-travelers; you may want to look into pre-existing condition waivers also. Most importantly – find a plan to cover you fully so you can sit back and relax on your vacation!
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
Question
I will be renting a house for 3 months at $2950 per month, Can I buy insurance to cover the 3 month rental if I need to cancel for some reason?
By LucilleB - March 17, 2018
Answer
As long as the rental is prepaid and non-refundable and it is not your own time share, you can insure the cost. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. Trip Cancellation reimburses 100%.
By MattG - March 22, 2018
Question
Planning a Viking river cruise in May 2019. Do I pay for travel insurance immediately after booking my trip or can I wait?
By ArleneF - July 9, 2018
Answer
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
By MattG - July 10, 2018
Question
I am travelling to 3 cities in 3 countries in Europe. I am self planning. How do I determine my coverage amount?
By JENNIFERS - January 23, 2023
Answer
You can only insure prepaid non-refundable travel arrangements paid for prior to departure. Anything paid for during the trip is not insurable, keep in mind.
By MattG - January 25, 2023