Unexpected travel disruptions — cancellations, delays, health crises — can create significant financial hardship without the right coverage in place. We know this not just as advisors, but from personal experience. On a trip to Copenhagen, one of our travel advisors fractured the fifth metatarsal in their foot. Travel insurance covered the medical treatment, the disruption costs, and the return logistics. Without it, the experience would have been financially and logistically devastating.
Don't Let a Medical Emergency Ruin Your Trip
Emergency medical treatment abroad costs far more than most travelers anticipate. A hospital visit in Europe can run thousands of dollars before evacuation is even considered. A medical evacuation from a remote destination can cost $50,000 to $150,000. These are not edge cases — they are scenarios that happen to real travelers every year, and the travelers who come out of them without financial catastrophe are the ones who had the right insurance in place.
Comprehensive Coverage for Peace of Mind
A comprehensive travel insurance policy typically covers trip cancellation, trip interruption, travel delay, baggage loss or delay, emergency medical treatment abroad, and emergency evacuation. The policy details matter enormously — coverage limits, exclusion language, and claims processing vary significantly between providers, which is why we review policies with every client rather than defaulting to one-size-fits-all recommendations.
Domestic Insurance Doesn't Travel with You
Many travelers assume their domestic health plan provides adequate international coverage. In most cases, it does not. Standard US health insurance — including Medicare — provides limited or no coverage outside the United States, and almost never covers medical evacuation. The gap between what your domestic plan covers internationally and what an actual international medical emergency costs is exactly the gap travel insurance is designed to fill.
"Domestic health insurance — including Medicare — provides limited or no coverage for international medical emergencies. The gap between your plan and an actual crisis is exactly what travel insurance fills."
Be Prepared for the Unexpected
The best time to think about insurance is before anything goes wrong. We recommend purchasing travel insurance within 14–21 days of your first trip deposit — this window is critical for pre-existing condition coverage and Cancel For Any Reason eligibility. Waiting until the week before departure means you may lose access to these provisions entirely.
Your Travel Agent: Your Ally in Unexpected Situations
When something goes wrong, a knowledgeable travel advisor can advocate on your behalf in ways that a policyholder navigating a claims process alone simply cannot. Having an advisor in your corner during a travel disruption is a meaningful advantage — and it begins with having the right coverage in place before you depart.
Let Us Help You Travel Worry-Free
We review insurance options with every client we book and can discuss coverage independently of any booking. Call us at +1.916.782.6363 to discuss the right policy for your next trip.