Travel Insurance - Protect Your Trip & Your Peace of Mind

Do You Really Need Travel Insurance?

Short answer: No, you don’t have to buy it. Longer answer: We strongly recommend it for most trips. Travel insurance isn’t about expecting something to go wrong — it’s about protecting the time, money, and memories you’ve invested in your vacation.

Travel delays, flight cancellations, unexpected illness, lost baggage, or family emergencies can happen to anyone. Without travel insurance, you’re responsible for all of the costs that come with those unexpected events. With the right coverage, you can travel confidently knowing you’re protected.

What Travel Insurance Can Cover

While specific coverage depends on the plan you choose, travel insurance typically helps with:

• Trip Cancellation & Interruption — Reimbursement if you must cancel or cut your trip short for covered reasons.

• Travel Delay Protection — Coverage for extra hotel and meal costs if your trip is delayed.

• Medical & Emergency Assistance — Help with medical care or evacuation if something happens while you’re away.

• Baggage & Personal Items — Compensation if your bags are lost, delayed, or damaged.

Not all plans are the same. Some offer optional add‑ons like “Cancel for Any Reason” or enhanced medical evacuation coverage — ask your advisor which options make sense for your trip.

Why Insurance Matters

Think of travel insurance as trip protection. You’ve saved and planned for this getaway — insurance helps protect that investment when life throws a curveball. Whether it’s a sudden illness, airline irregularity, or unforeseen emergency, insurance gives you options you wouldn’t otherwise have.

And when you travel internationally, medical bills or evacuation costs can quickly add up — travel insurance can be one of the most valuable parts of your travel budget.

Is Insurance Included With My Trip? 

Unless it’s specifically noted in your travel agreement, travel insurance is not included in your package price. If you choose to add it, it will be a separate cost on top of your trip.

Common Questions About Travel Insurance

Do I have to buy it?
No — it’s your choice. But we recommend it as a way to protect your money and peace of mind.

Can it be refunded if I cancel my trip?
Refundability depends on the specific policy terms. Some plans offer refunds within a short window; others are non‑refundable after purchase.

What if I already have travel benefits through a credit card?
Some credit cards include travel protection, but coverage varies widely and may not include all benefits you need (medical, evacuation, baggage, etc.). Always read your card’s policy details.

How We Can Help

We can walk you through your options, explain the differences between plans, and help you choose the coverage that fits your trip and your comfort level.  Just reach out — no pressure, no obligation.