Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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What should I look for in a travel insurance plan?

When you are looking for a travel insurance plan, you should look at a variety of things in order to get the plan that covers the possibilities you want to be protected from. A good travel insurance plan includes coverage against risks that may occur before or during your trip.

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Having medical coverage included in your plan is essential, as well as trip cancellation, and emergency assistance. Learn what perils should be covered, how this insurance works and to find the most appropriate plan below.

Perils That Should Be Covered in a Travel Insurance Plan

If you take out a travel insurance plan, you will inevitably have certain expectations about what will be covered. Surprisingly, not all plans offer the same type of travel insurance protection. Therefore, you need to take the time to read the small print and examine the different policies to get the protection you want and need.

Many perils can occur prior to your trip to force you to cancel or delay the trip you have been carefully planning. You want these to be covered by your ideal travel insurance plan. These include things such as:

  • Illness
  • Death in the family
  • Severe weather
  • Terrorist attacks
  • Fires and floods that make your home uninhabitable

Regarding the last one, if such an event occurs, you would need to take care of your primary residence and not go off on a vacation. Covering these perils will make sure that you are not financially hurt by the cancellation or delay of a planned trip.

Many of the other things that jeopardize your vacation are perils that occur once you are already on vacation. They include:

  • Lost or stolen luggage
  • Travel delays
  • Emergencies
  • Accidents
  • Medical evacuations
  • Missed travel connections

Such things are worsened by language barriers, cultural differences and simply being away from those you would normally turn to in a crisis. These perils, especially ones relating to medial issues are extremely important to have coverage for.

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Understanding Travel Insurance Plans

Travel insurance will indemnify you for changes to your travel plan due to any peril that is covered by your plan. This means that you will not incur a financial loss if you have to cancel, delay or alter your trip due to specific reasons.

You can take out a travel insurance plan for a trip as short as 2 days long or one that will last up to a year. Domestic trips and international ones are equally eligible. If you are traveling outside the country, you should definitely invest in travel medical insurance.

While many of the perils a traveler can face are rather self-explanatory, such as travel delays and lost luggage, medical emergencies are in a category of their own. In fact, many travel medical insurance plans deal only in this peril, because it is such a huge concern. Such plans include medical evacuation, emergency medical treatment and emergency assistance.

Typically, the type of medical health insurance coverage you have at home does not follow you to other countries. Therefore, if you are traveling internationally, it is very important to at least carry travel medical insurance. Many travel disruptions are expensive inconveniences, but a serious medical condition incurred while on vacation can be financially devastating.

Package plans are the most common type of travel insurance plan on the market today. They offer a variety of different types and levels of coverage, with benefits and limits to meet any traveler’s needs. These package plans are an ideal choice for families, business travelers, vacationers, seniors and cruise travelers, as they cover everything from travel delays to emergencies, medical issues and more.

Choosing a Travel Insurance Plan

Your travel insurance plan will depend on a variety of factors. Of course, cost is a factor. You will want to get a plan that is reasonably priced and fits in your budget. In addition, you need to make sure the policy covers the perils that concern you most and the ones you consider most likely to occur. You also need to ensure that the limits of your plan are sufficient in order to cover your costs if you need to file a claim.

Before you take out a travel insurance plan, you need to take the time to compare and contrast the different plans available to you. Get a variety of quotes from different travel insurance companies to compare. As with any type of insurance purchase, you can get those quotes quickly and easily using a free online insurance quote tool. All you have to do is provide your zip code and answer a few questions and your information is automatically submitted to a variety of companies selling this type of insurance.

Get started now gathering the travel insurance quotes you need with an online quote tool to facilitate the process.