Travel Insurace

Travel with Confidence. Protect Your Trip.

You've invested time, thought, and money into planning your vacation. Travel protection can help safeguard that investment when unexpected events disrupt your plans, giving you greater peace of mind before and during your journey.

Through our partnership with Coverage by Vertical Insure (ViCoverage), you can explore travel protection options designed to help protect your prepaid travel expenses and provide assistance with certain unexpected situations. Depending on the plan you choose, coverage may include trip cancellation and interruption, travel delays, baggage problems, emergency medical expenses, and more.

Whether you're planning a cruise, an international adventure, a family vacation, or a weekend getaway, take a few moments to explore your options and find coverage suited to your trip.

Choose the Travel Protection That's Right for You

Every trip is different, and so are your protection needs. ViCoverage offers three types of trip protection to help you choose the level of coverage that fits your plans.

Trip Protection

An option for travelers looking for protection against certain unexpected travel-related expenses. Depending on the policy, covered benefits may help reimburse eligible prepaid travel costs when a trip is canceled or interrupted for a covered reason.

Trip Protection Plus

For travelers looking for broader protection, this option may include additional benefits for situations such as travel delays, missed connections, baggage loss or delay, and emergency medical expenses. Specific benefits, limits, and eligibility requirements depend on the policy.

Trip Protection Plus with Cancel For Any Reason

For travelers who want additional flexibility, an eligible plan may offer Cancel For Any Reason coverage. This benefit can provide partial reimbursement of insured, non-refundable trip costs when you cancel for a reason that may not otherwise be covered. Special purchase deadlines, cancellation timing requirements, and other eligibility conditions apply.

Coverage, benefit limits, and availability vary by state and plan. Review the details of your selected policy carefully before purchasing.

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Frequently Asked Questions About Travel Insurance

Why should I consider travel insurance?

Travel insurance can help protect you against certain unexpected expenses before or during your trip. If a covered event forces you to cancel your vacation, interrupt your journey, or deal with an unexpected travel problem, eligible benefits may help reimburse some of your financial losses. Depending on the plan, protection may also extend to certain medical expenses, travel delays, and baggage-related problems.

Because your regular health insurance or other existing coverage may not cover every expense incurred while traveling, it's worth reviewing your protection needs before departure.

What happens if I have to cancel my trip?

Many travel arrangements, including cruises, flights, hotels, and tours, involve deposits or prepaid expenses that may be non-refundable. If you must cancel for a reason covered by your policy, trip cancellation benefits may reimburse eligible insured expenses, subject to the policy's terms, limits, and exclusions.

If you want flexibility beyond the policy's standard covered reasons, consider whether an eligible Cancel For Any Reason option is available for your trip.

How does trip cancellation and interruption coverage work?

Trip cancellation coverage may reimburse eligible prepaid, non-refundable expenses if you cancel your trip before departure for a covered reason. Trip interruption coverage may help reimburse eligible expenses if a covered event forces you to cut your trip short or miss part of your planned itinerary.

Covered reasons, reimbursement limits, and documentation requirements vary by policy. Cancellation or interruption for every possible reason is not automatically covered.

What other expenses might travel insurance cover?

Depending on the plan selected, benefits may include:

• Emergency medical expenses for eligible sickness or injury during a covered trip.
• Emergency medical transportation, subject to policy conditions and limits.
• Additional expenses resulting from qualifying travel delays or missed connections.
• Reimbursement for eligible baggage loss, damage, or delay.
• Trip interruption expenses when a covered event disrupts your journey.

Not every plan includes every benefit. Coverage limits, exclusions, deductibles, and other conditions may apply. Consult the actual policy for complete details.

Does travel insurance cover cancellation for any reason?

Standard trip cancellation coverage generally applies only to reasons specifically covered by the policy. Some plans offer an optional or separate Cancel For Any Reason benefit, which may provide partial reimbursement when you cancel for a reason outside the standard covered reasons.

This benefit is subject to eligibility rules, purchase deadlines, minimum advance-notice requirements, and other restrictions. It may not reimburse the entire cost of your trip. Review the terms of the specific plan before purchasing.

When should I purchase travel insurance?

It's generally a good idea to explore travel protection soon after making your initial trip payment. Certain benefits, including Cancel For Any Reason coverage when available, may require you to purchase a policy within a specified period after your initial payment. Waiting too long could make you ineligible for those benefits.

Review the purchase deadlines and eligibility requirements for your chosen plan, particularly if you have already paid deposits or made non-refundable reservations.

How much does travel insurance cost?

The price depends on factors such as your trip cost, age, destination, travel dates, and the coverage option you select. Additional benefits may affect the premium. The easiest way to determine the cost for your particular trip is to request a personalized quote.

How do I choose the right plan?

Consider the amount of money you've prepaid, the potential cost of changing or canceling your plans, your medical coverage while traveling, and your comfort level with unexpected expenses. Compare the available benefits, limits, exclusions, and costs before deciding which plan is appropriate for you.

If flexibility is especially important, check whether Cancel For Any Reason coverage is available for your trip and whether you meet its eligibility requirements.

Protect Your Next Adventure

You've worked hard to plan your vacation. Take another step toward traveling with confidence by exploring protection options for your upcoming journey.

Important Information: This page is provided for general informational purposes only and does not constitute an insurance policy, a guarantee of coverage, or legal or financial advice. Coverage availability varies by state and plan. All benefits are subject to the terms, conditions, limits, exclusions, and eligibility requirements of the applicable policy. Please review your policy documents carefully before purchasing. Coverage is provided through the applicable insurance arrangements offered by Vertical Insure and its insurance partners.