Travel insurance for when the unexpected happens on your trip.
Whether you’re traveling across the ocean or just across the United States, there’s a chance your trip might not go according to plan. If the unexpected happens, travel insurance may help protect you — and your wallet — from a financial loss.
Travel insurance may help protect the most important parts of your trip. From trip cancellations and lost baggage to 24-hour travel and emergency medical assistance, our travel protection plans may provide important coverage for you and your trip investment, helping you feel safe, secure, and connected while on your trip.
Do you really need travel insurance?
Great question. The answer is yes. Many travelers think their health insurance or free credit card insurance will completely cover their out-of-pocket expenses. However, that’s often not the case. Consider the reasons below for purchasing travel insurance for your journey.
Health insurance doesn't cover everything
According to the U.S. Department of State, Bureau of Consular Affairs some domestic health insurance may cover “customary and reasonable” costs overseas. However, it often won’t pay for medical evacuation back to the U.S., which can cost upward of $50,000. That’s where travel insurance may help.
Credit card shortfalls
There’s a chance your credit card provides some coverage for travel insurance. It’s important to check what coverage you have as this can vary depending on your card type and can even cost you additional funds to invoke. Credit card companies often have several conditions in order for their insurance to apply. For example, you may have had to pay for the entire trip using that credit card. Purchasing a travel insurance plan may help to provide the protection that you need.
Travel investment
You don’t want to cancel a vacation or lose the money you’ve invested. Cancel for a covered reason listed in your policy and Cover-More may help.
Medical expenses
When traveling, you may not always have access to health care. Your health and safety are our priority. If an emergency medical evacuation is necessary, then the plan may reimburse you for transportation to the nearest suitable hospital for treatment.
Additionally, if you are traveling solo or as the only adult on the trip and are hospitalized, the plan includes transportation and lodging for a visitor of your choice to stay with you, plus transportation of any minor children back home. Please see your state policy for all requirements and restrictions.
Personal belongings
A trip to the beach isn't much fun without a bathing suit. If your luggage is delayed or lost, travel insurance may help; you may be reimbursed for items lost, stolen or damaged, and for reasonable personal items (such as clothing or toiletries) you need to buy until your baggage is returned.
Travel assistance
You can contact our 24/7 assistance provider prior to departing if you’d like assistance or advice on planning your trip. While you’re traveling, one call gives you access to a variety of travel services, like medical emergency assistance and lost baggage retrieval.