Travel Insurance Basics: What It Covers and When You Need It
What travel insurance usually covers
Common coverage includes trip cancellation or interruption, emergency medical care and evacuation, lost or delayed baggage, and sometimes travel delays. Policies differ, so read the details.
Check existing coverage first
Some credit cards and health plans include travel protections. Check these before buying a separate policy to avoid paying for duplicate coverage.
Consider your trip cost and risk
Expensive trips, long journeys, and destinations with high medical costs justify more coverage. A short domestic trip may not need it.
Pre-existing conditions
Many policies limit coverage for pre-existing medical conditions. Read the definition and any waiting period carefully.
Buy early for cancellation cover
Some cancellation benefits apply only if you buy within a set window after your first trip payment. Check the deadline.
Common questions
Is travel insurance worth it?
It depends on trip cost, health, destination, and existing coverage. Compare what you would lose against the premium.
Does a credit card cover travel insurance?
Some cards include certain protections, but limits and conditions vary. Check your card's benefits guide.
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