Planning a trip is exciting. From discovering new places to exploring new foods, adventures await around every corner. When you travel, you dream big, and that’s exactly why protecting yourself and your trip can make all the difference.
No matter how carefully you plan, travel sometimes comes with surprises. From delays and lost luggage to sudden illness or natural disasters, having travel insurance can give you a safety net when things don’t go as expected. Here are seven common situations where it can pay to have travel insurance.
1. You get sick or injured while traveling.
If you catch a bug or injure yourself on your trip, you might find that your regular health insurance doesn’t cover medical care outside the U.S. In many countries, even routine medical care can come with a hefty price tag, and you may need to pay upfront.
Travel insurance can help cover emergency medical expenses, so you don’t have to face those bills alone. And with 24/7 emergency assistance included with many policies, you’ll have help finding a doctor, translating medical terms, and navigating a foreign health care system.
Instead of stressing over what to do, you’ll have access to 24/7 support, so you can focus on getting better.
2. You need to cancel your trip.
Sometimes, life gets in the way of your travel plans. Maybe someone in your family gets sick or a storm hits your destination. Or, maybe something comes up at work. If you have to cancel your trip and don’t have travel insurance, then you could lose the nonrefundable costs you’ve already paid, including flights, hotels, excursions, and more.
With travel insurance, you may be reimbursed for those prepaid expenses, if you cancel for a covered reason. It’s one of the most common reasons travelers make a claim, and one of the biggest ways a policy can protect your travel investment.
3. Your bags are lost, stolen, or delayed.
Have you ever stood at the baggage claim, waiting … and waiting … only to realize your suitcase didn’t make it? Lost, delayed, or stolen baggage can disrupt your trip before it even starts.
Travel protection can help reimburse you for the cost of replacing essential items like clothes, toiletries, or medication. And, if your bags are delayed, you could be reimbursed for purchases you need while you wait.
Instead of scrambling and spending more than you expected, you’ll be better prepared to keep your trip on track.
4. Your flight is delayed.
Flight delays are more common than most people think. Weather, airline staffing issues, or mechanical problems, and delays can certainly throw a wrench in your plans.
You might find yourself needing meals, a hotel room, or even a new flight. Travel insurance can help reimburse you for these extra expenses, so you’re not paying out of pocket for something you didn’t expect. In some cases, it may also help with prepaid activities or tours you miss because of a delay.
When your time off is limited, every hour counts, and travel protection can help ensure that a delay doesn’t mean missing out.
5. You need help while abroad.
If you lose your passport, get sick, or just don’t know who to contact in an emergency, it helps to have someone in your corner. With a Cover-More policy, you’ll have access to 24/7 travel assistance.
That means help is only a phone call away any time of day, wherever you are in the world. Whether it’s coordinating care, finding a local doctor, or navigating a tricky situation, you’ll have access to expert support when you need it most.
6. You have adventure activities on your docket.
Planning to hike a mountain, kayak a coastline, or surf at sunrise? When your trip includes outdoor or adventurous activities, it’s smart to consider travel protection.
Cover-More base plans offer coverage for common adventure activities. If you get injured while ziplining, horseback riding, or snorkeling, your travel insurance might help with emergency medical costs or other eligible expenses.
Traveling boldly doesn’t have to mean traveling without a safety net. With coverage in place, you can dream big and explore the world with confidence.
7. Weather or natural disasters disrupt your trip.
Weather can be unpredictable — and severe conditions like hurricanes, blizzards, or wildfires can delay or cancel flights and force you to change plans. Even a simple thunderstorm can ripple through your itinerary if you’re on a tight schedule.
Travel insurance offers coverage for trip cancellations, interruptions, or added costs due to covered weather events or natural disasters. Whether you're planning a beach vacation during hurricane season or heading somewhere known for seismic activity, travel protection can give you the flexibility and support to adjust your plans without added stress.
Dream big. Protect bigger.
Whether you’re dreaming of a weekend escape or the trip of a lifetime, having a travel protection plan in place can give you the freedom to travel with more confidence. And, when you're ready to dream big, make sure you’re protected just as boldly.