Coverage
Travel Insurance
The most important part of travel insurance isn't the lost suitcase — it's emergency medical care in a country where you'd otherwise pay cash for treatment. Cancellation and delay benefits are the second layer.
Single-trip, annual multi-trip, family, and long-stay policies suit different travelers. Tell Alan how you travel and he'll match the structure to it.
Who this cover is for
- Holiday travelers who want medical emergencies abroad handled
- Frequent flyers for whom an annual policy beats per-trip cover
- Families traveling together, including children
- Travelers with booked, non-refundable trips worth protecting
What it can cover
Emergency medical cover
Treatment, hospitalization, and on many policies medical evacuation while abroad.
Trip cancellation & curtailment
Non-refundable costs when covered events force you to cancel or cut a trip short.
Baggage & belongings
Lost, stolen, or delayed luggage and, within limits, valuables.
Delays & missed connections
Defined benefits when covered delays disrupt your itinerary.
Exact coverage, limits, and exclusions vary by insurer and policy. Before you commit to anything, Alan will walk you through precisely what a specific policy does — and doesn’t — include.
Worth thinking about
- Adventure activities (diving, skiing, trekking) often need explicit add-on cover.
- Pre-existing medical conditions usually require disclosure to be covered abroad.
- Cancellation cover applies to listed reasons — 'I changed my mind' generally isn't one.
Common questions
Travel Insurance FAQs
When should I buy travel insurance?
Ideally when you book the trip — cancellation protection only helps if it's in force before something forces you to cancel.
Does travel insurance cover COVID-19 or other illness abroad?
Many policies now cover medical treatment for illness contracted while traveling, but terms differ meaningfully between insurers. Alan will confirm the exact position of any policy you shortlist together.
Single-trip or annual cover?
If you travel more than two or three times a year, an annual multi-trip policy is often better value — and you never travel unprotected because you forgot to buy cover.
Related
Other cover to consider
Let's find travel cover that fits.
Tell us what you'd like to protect, and broker Alan Rivera will come back with options explained in plain language. No cost, no obligation.
Prefer to talk? +1 (555) 010-0199