Comprehensive
InsureMyTrip’s 3 Most Important Things to Know about Comprehensive Travel Insurance
1
The Broadest Protection for a Single Trip
Comprehensive plans bundle together key protections, covering prepaid trip costs, unexpected travel disruptions, baggage mishaps, and essential medical care on the road. It’s the all-in-one option designed to protect both your itinerary and your wallet when the unexpected happens.
2
Customizable Coverage for Your Unique Trip
These plans let you tailor your protection with valuable upgrades. Whether you need higher medical limits, coverage for business or sports equipment, support for pre-existing conditions, or the flexibility of Cancel for Any Reason (CFAR), you can add enhancements that match your specific travel style and risk level.
3
Coverage Details Matter – Compare Before You Buy
Comprehensive plans can differ widely in benefit amounts, covered reasons, and exclusions. Understanding limits for medical care, delays, baggage, and trip costs, and reviewing what’s not covered, helps you choose a plan that fits your trip expectations. Comparing options ensures you get the best balance of protection and price.
Comprehensive Plans
View All Comprehensive Plans
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Crum & Forster – Travel Insured International FlexiPAX
Comprehensive SingleOffers strong trip protection with extra flexibility if your trip is cut short. Reimburses up to 150% of your insured trip cost to help cover unused expenses and unexpected extra costs to travel home. Includes missed connection coverage, optional upgrades, and a possible pre-existing condition waiver if you buy early.
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Trip Cancellation
Trip Cost
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Medical Limit
$100,000
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Travel Delay
6+ hours
$150 per day
$1,000 max -
Baggage Loss
$1,000
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Trip Cancellation
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International Medical Group iTravelInsured Choice
Comprehensive SingleA budget-friendly option that covers the basics when things don’t go as planned. Includes trip cancellation, baggage issues, travel delays, emergency medical coverage and evacuation to your hospital of choice. A solid choice if you want dependable protection without extras.
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Trip Cancellation
Trip Cost
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Medical Limit
$100,000
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Travel Delay
6+ hours
$150 per day
$1,000 max -
Baggage Loss
$1,000
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Trip Cancellation
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WorldTrips Atlas Journey Elevate
Comprehensive SingleThe highest coverage level in the Atlas Journey series. Comprehensive trip protection for domestic and international travel, including medical evacuation to a hospital of your choice. Designed for travelers who want maximum benefits and added control over their care.
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Trip Cancellation
Trip Cost
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Medical Limit
$250,000
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Travel Delay
5+ hours
$200 per day
$2,000 max -
Baggage Loss
$2,500
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Trip Cancellation
Frequently asked questions
What does comprehensive travel insurance cover?
Comprehensive travel insurance typically covers trip cancellation, trip interruption, emergency medical expenses, emergency medical evacuation, travel delay, baggage loss, and baggage delay. But there are some things travel insurance doesn’t cover. Coverage varies by policy and insurer.
Does comprehensive travel insurance cover trip cancellation?
Yes. Most comprehensive policies include trip cancellation coverage for specific covered reasons, such as illness, injury, death of a family member, severe weather, or other qualifying events listed in the policy.
Does comprehensive travel insurance cover medical emergencies abroad?
Yes. Most comprehensive travel insurance plans include emergency medical coverage for covered illnesses and injuries that occur during your trip. Coverage limits vary, so it’s important to review policy details before purchasing.
Does travel insurance cover pre-existing medical conditions?
Not always. Travel insurance plans often exclude pre-existing conditions from coverage, unless you qualify for a pre-existing condition waiver.
What is not covered by travel insurance?
Common exclusions include foreseeable events, pre-existing medical conditions, participation in excluded high-risk activities, routine medical care, intoxication-related incidents, and cancellations for reasons not listed in the policy.
Is cancel for any reason (CFAR) coverage worth it?
CFAR coverage can provide greater flexibility if you’re concerned about needing to cancel your trip for reasons not covered by standard trip cancellation insurance. However, it costs extra and typically reimburses only a portion of your prepaid, nonrefundable trip expenses. You’ll also need to cancel at least 48 hours before your scheduled departure.
How much comprehensive travel insurance do you need?
You should generally insure the full value of your prepaid, nonrefundable trip expenses. You should also make sure to buy a policy with adequate emergency medical and medical evacuation limits, especially for international travel, cruises, and trips to remote destinations.
When should you buy comprehensive travel insurance?
We recommend purchasing coverage shortly after making your first trip payment. Buying early may help you qualify for time-sensitive benefits such as CFAR coverage and pre-existing condition waivers, where available.
Question
We have put a deposit on a cruise in June, 2018 and used points to already book our airfare. Can we still sign up for cruise insurance as we do not pay for the full cruise until April? How are our airline points impacted if we cancel?
By PatriciaS – February 12, 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. When purchasing travel arrangements with points or miles, you can insure the prepaid non-refundable taxes and fees you paid to redeem the points or miles.
By MattG – February 14, 2018
Question
Do you insure Disney tickets in case of cancellation due to death in the family?
By StarlaC – May 24, 2018
Answer
Yes, as long as the park tickets are prepaid and non-refundable, you can include it in your Trip Cost that you insure along with all other prepaid non-refundable travel arrangements. 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.
By MattG – May 26, 2018
Question
Is there any travel insurance that covers booking agency default?
By KatharineB – September 14, 2018
Answer
Trip Cancellation does provide coverage for Financial Default of a travel supplier, such as an airline or cruise line. It does not cover Financial Default of a travel agent or booking agencies.
By MattG – September 17, 2018
Question
Can I get an annual policy? One of my trips is 33 days long.
By LynnM – December 31, 2018
Answer
We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 90 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip’s details and once you arrive on the results page, please click on the button labeled “medical†on the bottom left and view our plans that are labeled “multi trip”. Our multi-trip medical plans provide both medical and medical evacuation coverage.
By MattG – January 2, 2019
Question
My husband and I would like to book a condo for 59 days next year. If we had to cancel for health reasons, would we be able to get our non-refundable first installment payment back?
By MargaretM – January 14, 2019
Answer
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 – January 15, 2019
Question
If the passenger who purchased the ticket dies unexpectedly, can the family obtain the full refund of the cabin (two passengers). Everyone is grieving and no one can travel in her place.
By MercedesM – January 9, 2020
Answer
All travelers who are insured are covered to cancel the trip if one traveler is cancelling due to a covered reason, such as a death to one of the travelers or a death in the family. Trip Cancellation reimburses 100%.
By MattG – January 9, 2020
Question
For what reasons can I cancel a 4 month stay at a Utah home? I will be alone with a dog.
By JudyW – November 2, 2021
Answer
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. If you wanted to still have flexibility to cancel for reasons not covered with Trip Cancellation, you can look into Cancel for Any Reason. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 – 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.
By MattG – November 3, 2021