Types of Travel Insurance: What Coverage Do You Need?

Whether taking a short domestic flight or galivanting across the globe, traveling can make for an exciting adventure. However, even amid the most well-laid plans made by seasoned travelers, unexpected events can quickly disrupt vacations and adventures. At Threshold Nosh and Dwell, we understand how important it is to explore travel insurance options and find the coverage that fits your needs.

Common Types of Travel Insurance

Understanding your options is the first step to making an informed decision. Here are some of the most common types of coverage often available through travel insurance policies:

Cancellation and interruption coverage
This coverage can reimburse you for prepaid, nonrefundable expenses if you need to cancel or cut your trip short due to covered reasons such as illness, severe weather or family emergencies. It may be especially valuable for those booking expensive trips or traveling during unpredictable seasons.

Medical insurance
If you’re traveling outside your regular health insurance network, especially internationally, this type of coverage can help you pay for emergency medical expenses. This can be crucial, since many U.S. health plans may not provide coverage abroad.

Luggage and personal property coverage
Lost, stolen or delayed luggage can be a major inconvenience. This type of coverage can reimburse you for essential items and help replace damaged, misplaced or stolen belongings, so that you can continue your trip with minimal disruption.

Emergency evacuation coverage
In the event of a serious medical emergency, this coverage can arrange and help pay for transportation to the nearest suitable medical facility or even all the way back home, if necessary.

Accidental death and dismemberment (AD&D) coverage
If a covered accident results in serious injury or loss of life during your trip, your travel insurance policy’s AD&D coverage can provide a lump sum payout to beneficiaries or insureds to assist with losses and expenses.

How Our Team Can Help

Choosing the right travel insurance can often feel overwhelming, but our team is here to guide you. Contact us today to discuss your travel insurance options and get personalized support from our knowledgeable and experienced team.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.