When planning a trip, most people focus on flights, hotels, and packing lists. Travel insurance often comes as an afterthought—if it’s considered at all. But what happens if your flight gets canceled, your luggage goes missing, or you need medical care overseas? That’s where travel insurance can make all the difference. That’s why this month, our Massachusetts travel agent is here with a breakdown of what travel insurance covers, when you might need it, and why it’s worth thinking about before your next trip.
What Is Travel Insurance?
Travel insurance is a type of coverage that protects you financially if something goes wrong before or during your trip. Policies vary, but most include some combination of:
- Trip cancellation or interruption coverage
- Medical coverage for illness or injury while abroad
- Emergency evacuation services
- Lost, stolen, or delayed luggage protection
- Travel delay coverage for extra accommodations or meals
Some plans also offer 24/7 travel assistance, help with rebooking missed flights, and concierge services. The level of coverage depends on the provider and the policy you choose.
Do You Really Need It?
The answer depends on where you’re going, how much you’re spending, and how comfortable you are with risk. Below are a few situations where travel insurance is a smart idea:
International Travel
If you’re traveling outside your home country, your regular health insurance may not cover you. Medical care abroad can be expensive, and travel insurance ensures you won’t be stuck with high out-of-pocket costs in an emergency.
Non-Refundable Trips
If your trip includes non-refundable flights, hotel deposits, or tour packages, travel insurance can protect that investment in case you need to cancel unexpectedly due to illness, weather, or other covered reasons.
Adventure Travel or Cruises
Trips involving skiing, hiking, cruises, or remote destinations come with higher risks. Travel insurance can provide peace of mind, especially if medical evacuation becomes necessary.
COVID-19 and Health Uncertainty
Many newer travel insurance policies now offer limited coverage related to COVID-19 disruptions, including quarantines or cancellations due to illness. This can be especially valuable when navigating changing travel restrictions.
When It Might Not Be Necessary
If you’re taking a short, domestic road trip or staying somewhere with a flexible cancellation policy, you may decide that insurance isn’t worth it. Some credit cards also offer basic travel protection, though these benefits are usually limited and may not include medical coverage.
Choose the Right Policy
Not all travel insurance is the same. Work with a trusted travel agent or read policy details carefully to understand what is and isn’t covered. Make sure the policy fits your destination, activities, and budget.
Travel Smarter, Not Riskier
You spend time planning the perfect vacation. Travel insurance helps protect that time, money, and effort so you can focus on enjoying your trip—not worrying about what could go wrong.
Arpin Travel | Massachusetts Travel Agent
Need help choosing the right coverage? We’re happy to guide you through the options and help you find a travel insurance plan that fits your trip. Reach out to our trusted Massachusetts travel agent about adding coverage to your next itinerary today, and travel with greater peace of mind!