Travel Insurance

Travel Insurance — Because the Best Trips Have a Safety Net

Nobody plans to get sick in Tokyo or lose luggage in Barcelona. But when it happens, insurance turns a crisis into an inconvenience.

Why it matters

Travel Insurance: The Numbers

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Hospital Visit in the US: $3,500+

A simple ER visit in America averages $3,500. A broken leg with surgery? $30,000-$80,000. Travel insurance covers it all.

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1 in 6 Trips Gets Disrupted

Flight cancellation, lost luggage, stolen passport — statistically, 1 in 6 trips encounters a significant disruption.

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Average Claim: $1,800

The average travel insurance claim is $1,800 — mostly medical. The average policy costs $40-80. That’s a 20:1 return when you need it.

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Your Home Insurance Doesn’t Cover You Abroad

Most domestic health insurance policies don’t cover international medical emergencies. Some don’t even cover you in neighboring countries.

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COVID Changed Everything

Since 2020, most quality travel insurance includes pandemic-related coverage: quarantine hotels, medical costs, and trip cancellation due to positive tests.

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Adventure Sports? Read the Fine Print

Standard policies often exclude skydiving, scuba diving below 30m, and motorcycling. Adventure add-ons cost $10-20 extra and are worth every cent.

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What to look for

Key Features in a Good Policy

Medical coverage: at least $100K

For trips outside the EU (where EHIC/GHIC applies), aim for minimum $100K medical coverage. For the US or remote destinations, $250K+.

Trip cancellation coverage

Look for policies that reimburse non-refundable trip costs if you need to cancel for covered reasons: illness, family emergency, natural disaster.

24/7 emergency assistance

A good policy includes a 24/7 hotline that can arrange hospital admission, emergency evacuation, or translation services in any country.

Baggage delay compensation

If your luggage arrives 12+ hours late, good policies pay $100-300 for essentials (clothes, toiletries). Keep receipts.

Pre-existing conditions

If you have a medical condition, disclose it. Many insurers cover pre-existing conditions for a small premium increase — but only if you declare them upfront.

$100K+

Medical coverage

24/7

Emergency line

15min

Claims processing

190+

Countries covered

Is travel insurance really worth it?

If your trip costs more than $500 or involves international travel, yes. The math is simple: a $50 policy protects thousands in potential losses.

When should I buy travel insurance?

Buy it when you book your trip — that’s when cancellation coverage starts. Buying later means any events between booking and purchase aren’t covered.

What’s NOT covered by travel insurance?

Typically: intentional self-harm, war zones, alcohol/drug-related incidents, extreme sports (without an add-on), and pre-existing conditions you didn’t disclose.

How do I file a claim?

Most insurers accept online claims. You’ll need: proof of the incident (police report, medical records, receipts), your policy number, and a claim form. Processing usually takes 5-15 business days.

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Real Talk

Travel insurance costs 3-5% of your total trip cost. A $2,000 trip? That’s $60-100 for peace of mind. The people who skip it are the same ones who regret it most.

Where to go

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