Is Your Dream Trip Protected? Why Travel Insurance is Essential

Stefan Terwindt • June 19, 2025

Why Travel Insurance Is Essential

Let’s face it—travel doesn’t always go according to plan. Flights get delayed, bags go missing, people get sick, and sometimes the unexpected gets in the way of a long-awaited vacation. That’s where travel insurance comes in. Think of it as your safety net—a way to protect your trip and your wallet when things don’t go as planned.

Here’s what travel insurance typically covers:


  • Trip cancellations or interruptions
  • Medical emergencies while abroad
  • Travel delays or missed connections
  • Lost, stolen, or delayed luggage


Protects Your Investment

Trips to Europe and other far-off places aren’t cheap—and many parts of a vacation (like flights, tours, or hotels) can be non-refundable. If you need to cancel for a covered reason, travel insurance can reimburse those costs. That means less stress and more confidence when you’re ready to hit "book."


Safeguards Your Belongings

If your luggage takes a detour (or disappears entirely), insurance can help replace the essentials and cover lost items. No more scrambling to buy a new wardrobe or wondering how you'll get by without your things.


Covers Delays and Missed Connections

If your flight gets delayed or you miss a connection due to weather or mechanical issues, insurance can cover hotel stays, meals, and rebooking costs. It helps turn a frustrating situation into something manageable—and maybe even comfortable.


Real-Life Peace of Mind

We’ve seen it firsthand: a couple had to cancel their $10,000 anniversary trip due to a medical emergency. Luckily, they had travel insurance, and their non-refundable expenses were covered. Later, they were able to rebook the same trip—without financial stress.


It's Not Optional. It’s Smart.

In an unpredictable world, travel insurance isn’t just a nice-to-have—it’s a must. That’s why we make it easy to include a trusted policy in your travel quote. It’s one small step that can make a huge difference if things go sideways.

Travel confidently—because peace of mind is part of the journey.


A suitcase filled with clothes and a toy airplane on the floor.

Travel Insurance: What You Need to Know


Is travel insurance really worth it?
Yes—without a doubt. Travel insurance can help cover unexpected cancellations, delays, lost baggage, medical emergencies, and more. It gives you peace of mind and can save you from surprise expenses if your trip doesn’t go exactly as planned.


Who should consider getting travel insurance?
Anyone planning a trip. But especially if you’re booking an international trip, a non-refundable itinerary, or have any health concerns. Travel insurance adds a safety net so you can travel with confidence—knowing you’re protected if something unexpected happens.



Can I still add insurance after I book my trip?
Yes, you can certainly purchase travel insurance after booking your trip, but it’s always advisable to secure it as soon as your reservations are in place. Doing so not only broadens your coverage options, including those crucial early-purchase benefits like pre-existing condition waivers, but it also maximizes your peace of mind.


What happens if I decide not to get travel insurance?
It’s your choice—but it’s important to understand the risks. If something goes wrong, like a last-minute cancellation or medical emergency abroad, you may be responsible for those costs. Travel insurance helps make sure you're not stuck footing the bill for something beyond your control.

Did you know?

  • Not all credit cards have travel protection.
  • Credit cards that have coverage will vary on types of coverage and limits.
  • Medical expense coverage offered through credit cards may not meet your needs.
  • U.S. health insurance plans typically do not cover regular and routine medical care required while traveling internationally or overseas emergency care.
  • Many travel insurance plans offer a waiver of the pre-existing medical conditions exclusion if purchased within the timeframe set forth in the policy.

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