You’ve booked your flights, reserved the hotel, and planned your itinerary — but there’s one more thing that belongs at the top of your list: travel insurance.
While it may not be the most glamorous part of travel planning, having the right coverage can be the difference between a minor hiccup and a major disaster. Whether you’re heading off for a relaxing beach getaway or an adrenaline-packed adventure, travel insurance protects your health, your belongings, and your wallet.
Let’s break down how to choose the best plan for your trip — so you can travel with confidence and peace of mind.
Getting sick or injured abroad is stressful enough – don’t let a massive hospital bill add to it. Ensure your plan includes emergency medical care, hospital stays, doctor visits, and medical evacuation or repatriation if necessary.
Tip: Look for at least $100,000 in medical coverage, especially if you’re visiting countries with expensive healthcare like the U.S. or Japan.
Sometimes life happens. Flights get canceled. Weather gets in the way. Illness strikes. Trip cancellation and interruption coverage helps reimburse you for non-refundable expenses if you have to cancel or cut your trip short for a covered reason.
Delays? Some plans will even cover meals and accommodation if you’re stranded between connections.
Commonly Covered Events Include:
Illness or injury (yours or a close family member’s)
Severe weather
Job loss
Airline strikes
Emergency evacuations
Losing your luggage is more than inconvenient – it can derail the start of your trip. A solid insurance policy offers compensation for lost, stolen, or damaged bags and personal items, plus reimbursement for essential purchases if your luggage is delayed.
Pro Tip: Keep receipts for any emergency purchases, and file a report with the airline immediately if your bags go missing.
Planning to go skiing in the Alps? Scuba diving in Thailand? Paragliding in Switzerland? Then you’ll want to make sure your insurance covers “hazardous activities” or “extreme sports.”
Most basic plans don’t include these by default – you’ll need to add extra coverage or choose a plan designed for adventure travelers.
Activities Often Requiring Special Coverage:
Bungee jumping
Scuba diving beyond a certain depth
Rock climbing
Snowboarding/skiing
Skydiving
Travel insurance isn’t just an extra expense — it’s a smart, protective layer that can save you thousands and offer real peace of mind. Whether you’re exploring ancient ruins, relaxing on a tropical island, or hiking up a volcano, the unexpected can (and does) happen.
By choosing the right plan tailored to your trip and lifestyle, you’ll travel smarter, safer, and far more confidently.
Adventure awaits – and now, you’re covered.
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