What Is Travel Insurance?

Travel insurance is a plan you purchase that protects you from certain financial risks and losses that can occur while traveling. These losses can be minor, like a delayed suitcase, or significant, like a last-minute trip cancellation or a medical emergency overseas.

A few things you should know about travel insurance:

• Benefits vary by plan. It's important to choose a plan that fits your needs, your budget and your travel plans.
• Travel insurance can't cover every possible situation. which means it covers only the specific situations, events, and losses included in your plan documents, and only under the conditions we describe.
• Travel insurance is designed to cover unforeseeable events— not things you could easily see coming, or things within your control. If, for example, you wait to buy insurance for your beach trip until after a named hurricane is hustling toward your destination, your losses wouldn't be covered.

How Does Travel Insurance Work?

In most scenarios, travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved. Filing a claim means submitting proof of your loss, so that we can verify what happened and reimburse you for your covered losses.