How To Pick The Best Travel Insurance For You
When planning a vacation, travel insurance may not be the most exciting detail—but it’s one of the most important. From flight cancellations to unexpected medical emergencies, the right coverage can save you from stress and costly surprises. Here’s a guide on how to pick the best travel insurance for your trip. On my last cruise, a passenger had a medical emergency and had to be airlifted from the ship in the middle of the ocean, can you imagine that cost without insurance?? Anything can happen at any point, I'd never want to be caught in a what if moment if something happened to me, my husband or my daughter on board.
1. Understand What Travel Insurance Covers
Most policies include several types of coverage:
- Trip Cancellation/Interruption – Reimburses you if you have to cancel or cut your trip short for a covered reason (illness, weather, emergencies).
- Medical Coverage – Pays for emergency medical care while traveling.
- Emergency Evacuation – Covers transportation to the nearest medical facility or even back home if needed.
- Baggage & Personal Belongings – Protects against lost, stolen, or delayed luggage.
- Travel Delay – Helps cover extra expenses if your trip is delayed.
2. Consider Your Destination and Activities
The type of insurance you need depends on where you’re going and what you’ll be doing:
- Traveling abroad? Make sure your policy includes international medical coverage.
- Going on a cruise? Look for plans that cover missed port departures and shipboard medical care.
- Planning adventurous activities like skiing, scuba diving, or zip-lining? Check if your policy covers those activities.
3. Compare Policies and Providers
Not all travel insurance is the same. Compare multiple providers, paying close attention to coverage limits, exclusions, and customer reviews. Don’t just choose the cheapest option—make sure it actually covers your needs.
4. Check What You Already Have
Before buying a separate policy, review the coverage included with your credit card or existing health insurance. Sometimes these benefits provide partial protection, but a dedicated travel insurance policy often offers more comprehensive coverage.
5. Work With a Travel Advisor
Travel advisors can recommend trusted insurance providers and help you select a plan that fits your trip. It’s peace of mind knowing you’ve got the right protection before you head out on your adventure.
Final Thoughts
Travel insurance may feel like an extra step, but it’s an investment in peace of mind. By considering your destination, activities, and personal needs, you can find the best coverage and travel with confidence.
Safe travels—and may your only surprises be the fun kind! ✈️🌍
