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How to Buy Travel Insurance: What It Covers, When You Need It

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This article was first published in 2018. We continually update it, as world circumstances and insurance policies change.

Travel insurance can be confusing—which is why we’ve received countless questions about it from readers. So we’ve created this primer that lays out the basics of travel insurance, including when you need it—and when you don’t.

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What is travel insurance anyway?

Essentially, travel insurance serves two purposes, both financial. The first is to protect the investment you’ve already made—the cost of your trip—in the event that you need to cancel. The second is to cover future potential costs because of unforeseen events—for example, the cost of medical evacuation, should you get injured during your trip.

What does travel insurance cover?

Travel insurance policies cover some or all of the following (“comprehensive” policies cover most or all of these situations):

    • Trip cancellation or interruption (if the reason for doing so is one allowed by that policy)
    • Medical expenses, and sometimes evacuation (transportation to an appropriate medical facility)
    • Expenses related to a trip delay and lost, stolen, damaged, or delayed baggage
    • A lump-sum payment if you’re injured or killed while traveling
    • Emergency assistance
    • Financial default of the travel supplier

A policy kicks in only if your situation fits within its specific conditions (those are the pages of fine print at the back of every policy). You can’t, for instance, get your money back if you decide to cancel because your cousin dies; that’s because most policies cover cancellation due to the death of only certain close family members.

Here are three examples of how travel insurance can help. These are scenarios that a traveler might run into—and ways in which the right travel insurance policy could protect the traveler in each scenario. Remember that every policy’s benefits are different:

Beth is headed to the Caribbean during hurricane season, since she knows that prices are lower at that time of year and that the chance of a storm hitting any particular island is low. But a week before she leaves, Hurricane Peter wreaks havoc at her beachfront resort.
Since Beth purchased an insurance policy with trip-cancellation coverage before the storm was named and her hotel is now uninhabitable, she can cancel the trip and get all of her money back.

Halfway through a hiking trip in the Alps, Joe slips and falls, breaking his ankle.
Joe’s travel insurance policy has a medical expense limit of $10,000, so it covers some—but not all—of his medical bills. Because he can’t continue with his trip, his trip-interruption benefit reimburses him for the unused portion of his prepaid expenses.

While Amy is walking from the train station to her hotel, a thief steals her luggage.
Amy’s insurance covers the value of the items in her luggage, up to her benefit limit of $750. Too bad she didn’t leave that diamond necklace at home, though; her policy will only reimburse up to $500 total for jewelry and electronics.

Do I really need travel insurance?

It depends on whether you’re making large nonrefundable advance payments, and whether you’re concerned about potential medical bills.

Are you reserving rooms at hotels that let you cancel up to 24 hours before check-in, and renting a car that you don’t have to pay for until you show up at the counter? In that case, don’t bother with a comprehensive policy that covers cancellation, since you’re not out-of-pocket for many expenses. (Even so, you may still want medical insurance, which is very affordable; you can get quotes for this coverage by entering $0 as your trip cost when researching policies online—see “Which policy should I buy?” below.)

Or are you prepaying for most of the pricey elements of your trip—hotels, private guides, transportation, a cruise—which often means that your deposit and subsequent payments are nonrefundable? In that case, you probably want travel insurance. When you choose a policy, consider the specific reasons you may end up filing a claim. For instance, most policies will cover Covid-related medical bills, but not all of them will cover the costs of isolating at your destination because you’re sick but not hospitalized.

Don’t I already have insurance?

You might. Some—but not all—medical plans, homeowners’ or renters’ insurance policies, and credit cards offer benefits to travelers. But Medicare, for instance, doesn’t cover members when they are overseas (though some Medigap plans do), and most health plans won’t cover evacuation (meaning, transportation to an adequate medical facility), which can be expensive if you’re somewhere remote. Check with your insurers to see what’s included.

Some premium credit cards include a level of protection. This coverage probably isn’t itself worth the card’s annual fee—but if you already have such a card, you should know what benefits it offers so that you don’t pay for redundant coverage. For example, Chase Sapphire Reserve (one of Wendy’s favorite credit cards for travelers) has some good insurance benefits, but with set limits (so, for instance, you can get back only up to $10,000 per traveler and $20,000 per trip if you cancel a trip you paid for with the card—even if your African safari cost your family of four $15,000 per person).

Some travel firms and tour operators also include certain insurance coverage in all of their trips. Don’t waste your money buying coverage that’s already built into the cost of your trip. However, don’t assume that this coverage is comprehensive; depending on your circumstances, you might want to buy an additional policy.

How much does travel insurance cost?

Premiums for a comprehensive policy range from about four to 15 percent of your total trip cost. So if you and your spouse are spending $20,000 total on a week in France, expect to pay $400 to $1,500 per person for travel insurance.

Each premium is calculated based on the length and cost of the trip, where you’re going, and how old you are. For travelers above age 50, policies get significantly more expensive, while children can often be added to a parent’s plan for free: Travelex’s Ultimate plan allows you to add any children under 18 to a parent’s or grandparent’s plan at no additional cost, while most Travel Guard plans include one child under 18 for every paying adult.

At what point during my trip planning should I buy travel insurance?

Purchase your policy as soon as you put down a deposit toward your trip. That’s because certain desirable benefits (e.g., coverage for cancellation because of pre-existing medical conditions, coverage for financial default of the travel supplier, a cancel-for-any-reason upgrade) may kick in only if you buy your policy within 14 days or so of your initial trip payment. This “initial trip payment” is usually defined as the first payment that will go toward your trip cost and could be included in an insurance claim, not the separate planning fee that some travel agents charge.

As a potential cost-savings measure, consider starting out by insuring not the total cost of your trip, but only the amount you have paid so far. Each time you make an additional trip payment, update your insurance with the new trip cost and pay the additional premium. This could save you money if you have to cancel before you’ve fully paid for the trip. Remember to increase your insurance after each trip payment, or you will not be properly insured.

Your premium will be lower if you cover only your nonrefundable costs; however, not covering the full amount of your payment(s) could invalidate coverage for pre-existing conditions. Requirements vary from one insurance provider to the next, so when you calculate the amount of coverage you need, read the policy carefully and also speak with the insurer to confirm you are understanding it correctly.

What is third-party travel insurance?

Some travel companies—cruise lines, tour operators, and the like—sell their own insurance or “protection” policies, whereas third-party insurance is sold by someone other than the travel company that is operating your trip. Third-party policies are usually a better choice: They pay you back in cash rather than trip credits, they can protect you in case the travel company goes out of business, and you can choose the plan with the coverage that best fits your specific circumstances.

My travel planner recommends that I purchase a policy through a specific insurer; should I follow their advice?

Some travel planners, tour companies, and outfitters have relationships with a particular insurance provider. They might push you to buy a certain type of insurance because they’ll earn a commission; on the other hand, their relationship with that insurer could benefit you if you have to file a claim. Wendy has seen many cases where Trusted Travel Experts on The WOW List, thanks to their relationship with a particular insurer, have been able to act as advocates for their travelers and get their claims paid.

Should I cover the cost of my flights too?

That depends. If you have to cancel your trip, you can usually put the cost of any unused airline tickets toward a future flight, sometimes minus a change fee. Calculate how much your premium will increase if you insure your flights; if the difference is less than the airline’s change fee, it’s worth insuring the flights. (You might also want to insure flights on any local carrier that you aren’t likely to fly with again—in which case a credit toward future travel would be worthless.)

What does it mean if a travel medical insurance plan is primary or secondary?

“Primary” means that the plan pays any bills first, without having to go through your home health insurance provider; “secondary” means the plan will only cover whatever you owe after you’ve filed a claim with your health insurance provider. You’ll typically get a bit more coverage per dollar with a secondary plan—but you’ll have to deal with more paperwork if you file a claim.

I have a medical condition. Will expenses related to it be covered?

Pre-existing conditions are generally excluded from coverage—but some plans will waive that exclusion if you purchase them soon after making the first payment on your trip (generally within 7 to 21 days of that initial deposit). You also usually have to insure the entire nonrefundable cost of your trip, including flights. Without coverage for pre-existing conditions, you’re on the hook for any expenses related to a condition that wasn’t medically stable at the time you booked.

How does travel insurance handle Covid?

Pretty much like any other illness. Most comprehensive policies will cover you if you test positive right before your trip and have to cancel, or if you come down with Covid during your trip and incur medical expenses. If you are sick enough to be hospitalized, a Medjet membership will get you home. If your symptoms are mild, some insurance policies will cover self-isolation costs under your “Trip Delay” benefit. There are often both daily and total limits to this benefit, so you may not be reimbursed for all of your additional hotel, meal, and airfare costs.

What if I’m hurt doing an adventure activity (say, bungee jumping)?

Most policies won’t cover injuries you receive while taking part in certain “hazardous activities”—a category that can include everything from skydiving and rock climbing to scuba diving and heli-skiing. Some plans will allow you to pay a higher premium to cover these activities. (Dive Accident Insurance from the Divers Alert Network, for instance, covers most bills related to scuba-diving accidents.)

Will insurance pay for me to come home if I get sick or injured on the road?

Not usually. Most policies will pay for transportation to what they consider to be the nearest adequate medical facility (such transport is known as medical evacuation)—but that could be thousands of miles from your loved ones and the doctors you trust. If you want to know that you can get home, you’ll need to purchase additional coverage from a company such as Medjet, which arranges and pays for transportation from a hospital in your destination to one back home. For more details, read What Medical Evacuation Coverage Do You Need?

Can I call off my trip for any reason and be reimbursed?

No. Each policy defines the allowable reasons for which you can cancel and get your money back. To cancel your trip because of a terrorist attack, for instance, the attack typically has to happen in a city listed on your itinerary—not just anywhere in the country you’re visiting.

You can purchase additional “Cancel For Any Reason” (CFAR) coverage, but it’s pricey, and even then, you’ll generally only be reimbursed 50% to 75% of your trip cost. (It’s also not available in all states, depending on state regulations.) As with pre-existing condition benefits, you usually have to purchase CFAR coverage soon after your initial trip deposit; you also have to insure the total cost of the trip, and you must cancel more than 48 hours prior to your departure. Read more about CFAR coverage in our article “Cancel For Any Reason” Travel Insurance: What It Is and How It Works.

What if the State Department issues a Level 4 “Do Not Travel” advisory for my destination, and I want to cancel my trip?

Standard travel-insurance policies rarely cover cancellation due to war, border closures, lockdowns, or government travel warnings/advisories. (But also note that the 20 countries currently with a Level 4 advisory are not common travel destinations right now, but rather places like Russia and Afghanistan.) Some insurance providers offer “Cancel For Any Reason” (CFAR) coverage; for the pros and cons of that, read “Cancel For Any Reason” Travel Insurance: What It Is and How It Works. If security is a concern, consider a MedjetHorizon membership, which includes access to a Crisis Response Center if at any point during a trip you feel that your safety may be threatened—because of a political incident, terror attack, or other crisis.

How do I protect myself against the travel company I’m working with going out of business?

If you paid by credit card—which we always recommend—your first step should be to file a billing dispute with the credit-card company. The Fair Credit Billing Act stipulates that you are protected against charges for goods or services you do not receive. If you can prove that’s the case, those charges should be credited back to your account.

Some third-party travel insurance policies also cover trip cancellation due to financial default of the travel supplier—meaning that an airline, tour operator, cruise line, or other entity ceases operations, leaving you without a trip. Travel insurance usually will not cover you if such a company declares bankruptcy, or if the intermediary you booked your trip through goes out of business. In such scenarios, Cancel For Any Reason coverage is your best defense. As with pre-existing medical conditions, financial default clauses often require that you purchase the insurance soon after making your first payment, and the coverage typically doesn’t start until 10 to 14 days after you’ve purchased the policy. Click here to read more about insurance coverage for financial default.

Here are a couple of examples: Let’s say you’ve booked a Mediterranean cruise and flights to Venice, where you’ll board the ship. The day after paying your initial deposit, you insured the entire purchase with a carrier that protects against financial default. Two days before you’re due to leave, your airline goes belly-up, and all other flights to Venice from your hometown are booked, so you’re unable to make it to the ship. Your insurance provider reimburses you for the costs of your flights and the cruise you missed.

In another scenario, let’s say you’ve booked a trip to see the Pyramids in Egypt. A month after putting down a deposit on the trip, it occurs to you to insure your considerable investment. A few weeks before your departure, your Egypt tour operator ceases operations, and it turns out that none of your in-country arrangements have been confirmed or paid for. Even though your insurance policy covers financial default, it won’t pay out in this case because you didn’t purchase the policy within 15 days of your initial trip payment.

Should I pay for the car-rental upgrade to my comprehensive insurance policy?

Pay attention to when that benefit kicks in; coverage through your rental agency may be better tuned to the likeliest risks in your destination. For instance, when I rented a car in Iceland, my Travelex policy upgrade would cover me only for damage due to collision, vandalism, windstorm, fire, hail, or flood. Hertz’s options, on the other hand, included coverage for damage from gravel or ash—both far more common than vandals in Iceland.

I travel frequently. Is an annual travel-insurance plan a better choice than individual policies for each trip?

Many annual plans do not cover trip cancellation and thus are missing the coverage you want when you have significant nonrefundable expenses. Also keep in mind that annual plans limit you to the same coverage for all of your trips. For example, say you take a few shorter trips a year that cost $5,000, and one large trip that costs $25,000. An annual plan with a trip-cancellation benefit limit of $15,000 means that you’ll be overinsured for your shorter trips, and underinsured for your larger one.

Which policy should I buy?

It would be so easy if one size fit all—but it doesn’t. To know which policy is right for you, think about what keeps you up at night. Are you most concerned about testing positive for Covid a day before your trip? Or about having to fly home early because a loved one there falls ill? Or deciding to cancel your trip because of a terrorist attack at your destination—or even one in an entirely different country?

Several websites allow you to input your details and compare multiple policies at once, narrowing in on which one is right for you: Check out TravelInsurance.com, InsureMyTrip, SquareMouth.com, and, if you just want medical coverage and don’t need cancellation protection, Medical.TravelInsurance.com. Before you purchase any policy, though, it’s important to speak with a representative there first to ensure that you understand what is and isn’t covered—especially for any scenario that has you concerned, like a big project coming up at work just before your trip, or a flare-up of a pre-existing medical condition—and what is needed to file a claim.

The insurance that we’ve received the best traveler feedback about is Travelex’s Ultimate policy. It operates as primary coverage, allows a wide range of reasons to cancel, and, based on the feedback we’ve heard and our own experience, is relatively likely to reimburse you quickly.  This policy must be purchased at least 14 days before your trip starts (this is waived for last-minute trips if you are still within 15 days of your first trip payment). Travelex also offers an optional “Cancel for Any Reason” upgrade in certain states, which must be bought within two weeks after making your first trip payment.

Transparency disclosure:  Medjet is a sponsor of WendyPerrin.com. That’s because Wendy has had a membership herself since her kids were little and believes in it. Travelex Insurance Services pays WendyPerrin.com a referral fee when a policy is purchased through this link. Wendy chooses Travelex because it has generous policies (see above) and good customer service. (Travelex Insurance Services is not related in any way to the defunct currency-exchange business Travelex.) When you use the links in this article for your insurance/assistance purchases, it allows us to continue the rigorous and honest work we do on behalf of consumers, as well as to continue our Get a Personalized Trip Recommendation service. Thank you for your support.

Be a smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. Read real travelers’ reviews, then use the black CONTACT buttons on Wendy’s WOW List to reach out to the right local fixer for your trip.

Wendy's son, Charlie via ferrata at Whistler, British Columbia

Travel Insurance and Emergency Assistance: How to Protect Yourself

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If you don’t start thinking about travel insurance until you need it, chances are it’s already too late. For example, did you know that many benefits only kick in if you purchase your plan soon after paying the first deposit for a trip?

For our WOW Week 2024 Travel Talk on February 8, we brought in experts to discuss how to prepare for travel curveballs, from surprise injuries to natural disasters to political unrest, and how to minimize your risk, both financial and medical. Joining us were Stan Sandberg, co-founder of travel-insurance comparison site TravelInsurance.com, and Sheri Howell, from air-medical-transport and crisis-response provider Medjet. Check out all we learned from Stan and Sheri in the video below.

4 top takeaways

Some plans are more generous than others about covering pre-existing medical conditions. Most insurance policies will not cover pre-existing conditions unless you purchase them within a week or two of your first trip payment. However, a few plans have now extended this window to up to 24 hours after your final trip payment. You can filter for such policies when you do a search on travelinsurance.com.

Annual travel-insurance policies are on the rise. Historically these policies have only covered medical expenses, but some now also provide trip cancellation and interruption protection. Those benefits typically only cover $5,000 or so; if your nonrefundable trip costs are higher than that, you’ll get more complete coverage by purchasing individual policies for each trip.

Tread carefully on the gangways. River cruises are a surprisingly common source of travel accidents. Sheri explained that the vessels’ gangways are smaller and less sturdy than on ocean-going ships; the wake from a passing boat has been known to sweep travelers off their feet—and straight into the hospital.

A Medjet membership protects kids studying abroad. Family memberships cover two adults, plus up to five children until age 19, or until age 23 if they are full-time students. Members are  covered anytime they are at least 150 miles away from home, even when not traveling together.

Links to Useful Resources

How to Buy Travel Insurance: What It Covers, When You Need It

What Medical Evacuation Coverage Do You Need?

“Cancel For Any Reason” CFAR Travel Insurance: What It Is and How It Works

 

Be a smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. Read real travelers’ reviews, then use the black CONTACT buttons on Wendy’s WOW List to reach out to the right local fixer for your trip.

Brook posing above Lysefjord with snowy mountains in the background.

Live Answers to Your Travel Questions: Join Us on Zoom for WOW Week 2024, February 5–9

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UPDATE: WOW Week 2024 is now over. Thank you all for joining us! We have posted the Zoom recordings below, in case you missed any talks or want to share them with your friends. Stay up to date by signing up for our newsletter. 

 

 

This year is shaping up to be another huge one for international travel.  We’re seeing more travelers booking trips farther in advance than in past years, as well as travelers taking more family and friends along.  Based on these bigger groups locking more trips in place earlier— especially to Western Europe—we’re predicting that Europe’s iconic locales, from Italy’s Amalfi Coast to the Greek island of Santorini, will be packed again this year, and that peak season will extend from May through early October.  Sadly, we’re not seeing any relief from the sticker shock that grew out of the post-pandemic demand for travel, what with Europe’s summer season coinciding with events such as the Olympics in France in July, the G7 Summit in Puglia, Italy, in June, and Taylor Swift concerts all over the U.K. and Europe from May through August.

Not to worry:  We’ve got solutions, and Brook (pictured above in Norway in November) and Hannah and I, plus special guests, will be sharing them during WOW Week, February 5-9, when we’ll host a Travel Talk every day at 7 pm EST.  Bring your burning questions!

NOTE: If you have trouble signing up for our Travel Talks, make sure you have a free Zoom account that is associated with the email address you are using. 

 

 

Where and When to Travel in 2024

Monday, February 5, at 7pm EST

Last year broke travel records, and you should expect—and prepare for—more records to fall in the year ahead. Wendy, Brook, and Hannah reveal what’s shaping up for 2024: opportunities to take advantage of, challenges to zap, and the coolest under-the-radar places, off-season values, foodie experiences, and more.

WATCH THE ZOOM RECORDING

 

South America Now: Smart Choices and Good Value

Tuesday, February 6, at 7pm EST

Wendy and Brook explain why the continent should be on your list for 2024, and WOW List experts for South America share what’s new, what’s best, what you haven’t thought of, and how to ensure your trip goes smoothly.

WATCH THE ZOOM RECORDING

 

Successful Family Travel in 2024

Wednesday, February 7, at 7pm EST

WOW List experts with the latest intel for maximizing your travels and minimizing stress—in Europe, North America, the Caribbean, and beyond—will share solutions. Learn how to keep everybody in your travel group happy, whatever their ages or conflicting needs and interests. Bring your questions!

WATCH THE ZOOM RECORDING

 

Travel Insurance and Emergency Assistance: How to Protect Yourself

Thursday, February 8, at 7pm EST

Learn how to prepare for the unexpected, from surprise injuries to natural disasters to political unrest. Experts explain and simplify how to minimize your risk, both financial and medical, and they’ll take your questions live, so bring your list of what’s been perplexing you!

WATCH THE ZOOM RECORDING

 

Take Better Travel Photos with Your Phone!

Friday, February 9, at 7pm EST

Photojournalist Tim Baker (a.k.a. Mr. Wendy Perrin) reveals simple tips to help you take much better travel photos with your smartphone–better action shots, group shots, food shots, night shots, video, and more. Tim’s advice is device-agnostic: Apple and Android users welcome!

WATCH THE ZOOM RECORDING

 

A big thank-you to our WOW Week sponsor, Medjet:

Medjet is a global air medical transport and travel security membership program that can give travelers greater peace of mind. Their sponsorship enables me, Brook, Kristine, and the rest of our growing team to spend time answering your travel questions (via our Get a Personalized Trip Recommendation feature) and finding the smartest trip-planning specialists for you (see Wendy’s WOW List).

Don’t miss this special WOW Week discount:

Medjet is offering our WOW Week audience an exclusive discount of up to $50 off New Medjet Annual Memberships. The deal is available from Monday, February 5 at 9am EST till Monday, February 12 at 5 pm EST. You can learn more about Medjet and get the deal by clicking the red button below. 

GET THE DEAL

 

Woman holding passport and boarding pass waiting in transit area in the airport, standing by for the next schedule traveling, late delay of the arrival departure, missing checking in

“Cancel For Any Reason” CFAR Travel Insurance: What It Is and How It Works

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This article was first published in 2019 and is continually updated as insurance policies change. 

Travel insurance is an important layer of protection anytime you book a trip with nonrefundable, prepaid costs. Trip cancellation is a common benefit of such insurance—but it only pays out if you cancel for a covered reason. Additional “Cancel For Any Reason” (CFAR) coverage allows you to cancel your trip without requiring that you explain why. It may give you the peace of mind you need to book a trip—but there are caveats. Here are the main points travelers need to know about buying and using CFAR insurance.

Cancel For Any Reason coverage is expensive.

Before Covid, CFAR coverage typically added 40% to your insurance premium—but as both interest in and claims against CFAR policies have increased, in many cases their price has too. We looked at six insurance quotes in October 2024 and found that a CFAR clause increased the premiums on five of those products by 50% to 113%. To put this in dollar figures: Standard travel insurance for trip cancellation/interruption and medical expenses on a $20,000 trip may cost $1,000; adding CFAR could bump that up to $1,500 or more.

Don’t expect to get all your money back.

Specifics vary by policy and based on your state of residence, but most plans reimburse 50% to 75% of your nonrefundable, prepaid trip costs. Some have a maximum amount that you can insure (e.g., $10,000 per person).

You can’t add CFAR at the last minute.

To be eligible for CFAR coverage, you must purchase it soon after you make your first trip payment, usually within 14 to 21 days (and in some cases, within just 24 hours of your deposit).

You can’t cancel at the last minute, either.

You’re out of luck if you find out a day before your trip that you must cancel. In order to be reimbursed via a CFAR clause, you must call off your trip at least 48 hours prior to departure.

Covid has impacted the availability of CFAR coverage.

Before Covid, CFAR policies were unavailable to residents of New York State due to state insurance regulations; in light of Covid, New York’s governor announced that travel insurance companies could sell CFAR policies in the state. While several providers saw Covid as a reason to discontinue offering CFAR coverage entirely, others—including Travelex Insurance Services—have added optional CFAR upgrades.

Is it right for you?

CFAR is an option that can provide additional peace of mind, at a price. Whether it’s worth the cost is a personal choice. But most importantly, it is the broadest protection available to cover a wide range of scenarios—many of which you may not even have thought of.

Which insurance company should I choose? 

There are many providers, and in our article How to Buy Travel Insurance: What It Covers, When You Need It, you can learn more about what to look for, what to avoid, and how to choose the right one for your specific needs. Whichever insurance carrier you choose, speak with a representative there first to ensure that you understand what is and isn’t covered, and what is needed to file a claim.

 

Be a smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. Read real travelers’ reviews, then use the black CONTACT buttons on Wendy’s WOW List to reach out to the right local fixer for your trip.

Red closed sign with " Gping out of business " written on it.

How to Protect Yourself in Case a Travel Company You Pay Goes Out of Business

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This article was first published in 2020 during the pandemic and is continually updated as travel-insurance and credit-card policies and practices change.

Travel planning these days often requires that you make a large, non-refundable, advance payment. Here’s how to protect your investment:

Does travel insurance protect me if a travel company ceases operations?

Some comprehensive travel insurance policies will reimburse you for trip cancellation or interruption due to bankruptcy or financial default of your travel supplier: an airline, cruise line, or tour operator, for example. Many such policies will not cover you, however, if the company you used to book your trip—a travel agency or other intermediary—goes out of business. This is one area where policies differ widely, so to confirm that your financial investment is protected, speak with a representative of the insurance provider whose policy you plan to purchase and explain your specific situation.

When do I need to purchase this insurance?

Within a couple of weeks after putting down your deposit toward a trip. One reason why is that coverage for financial default may be activated only if you buy insurance within 10 to 21 days (depending on the policy) after making your initial trip payment. You also usually can’t file a claim for cancellation due to financial default until 10 to 14 days after you’ve purchased the policy. Note that you may not be covered if your trip is years out: Some policies limit financial-default claims to trips taken within 12 or 15 months of purchasing your insurance.

Will the policy offered by my cruise line protect me if the cruise line goes out of business?

No. Some travel companies—cruise lines, tour operators, and such—sell their own insurance or “protection” policies. The premiums may seem attractive, but you will not be covered if that company financially defaults. Instead, you need the protection of third-party insurance—meaning, a policy written by someone other than the travel company that is operating your trip.

Am I protected if I pay by credit card?

If you don’t receive an item or service that you paid for by credit card, you can dispute that particular charge. But what if your airline goes under the day before your trip and you can’t find another way to get to your destination, so you’re out the $5,000 you spent on nonrefundable hotel reservations? In that case, your credit card provider will credit you the cost of the flights, but it won’t help with the hotel stays (because the hotels are still operating). A travel insurance policy with a financial-default clause, however, will cover all of your losses because you were forced to cancel your entire trip.

What other protection is available?

The broadest possible protection may come via “Cancel for Any Reason” insurance coverage. If you have concerns about the financial stability of a company you are planning to travel with, this insurance upgrade could allow you to back out of your trip and be reimbursed for 50-75% of your nonrefundable trip costs.

For more guidance on the right insurance for your particular needs, read How to Buy Travel Insurance: What It Covers, When You Need It.

 

Be a smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. Read real travelers’ reviews, then use the black CONTACT buttons on Wendy’s WOW List to reach out to the right local fixer for your trip.

 

globe with airplane flying around it and a first aid kit on the plane - concept for travel insurance

What Medical Evacuation Coverage Do You Need?

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This article was first published in 2020 and is continually updated as evacuation coverage changes. 

They are the nightmare scenarios you’d rather not consider, but still want to prepare for: maybe it’s breaking a leg while biking through Tuscany, or having a heart attack on a remote island with no decent hospital. The good news is that with the right evacuation coverage, you can avoid the $200,000 bill for emergency medical transport to the best regional medical facility, or even home to a hospital you trust. Here’s what you need to know about how to get home if disaster strikes—and how to protect yourself from the financial repercussions.

What kind of medical transportation does conventional travel insurance offer?

Some travel insurance policies will pay for transportation to a medical facility, should you become sick or injured—but they will usually only take you to the nearest facility that they deem appropriate. If you’re traveling internationally, that probably means a clinic or hospital in the country you’re visiting, where you’ll be treated until you’re well enough to take a commercial flight home. At a bare minimum, you should make sure that your insurance provides at least $100,000 in coverage for medical evacuation to the nearest adequate medical center.

What if I want to be flown to a hospital near my home for treatment?

If you’ve been hospitalized away from home but you want to be treated near family and friends, you need a second layer of protection. Specialized medical-evacuation programs such as Medjet, Global Rescue, AirMed International, and Global Guardian will transport members to the hospital of their choice once they are medically stable. You can purchase a short-term membership from one of these programs to cover a single trip, or an annual membership for an entire year’s worth of travel. The cost of medical evacuation to a hospital back home can easily reach $150,000 or more, so this benefit is important on both international and domestic trips. A few travel insurance providers, including Travel Guard and Ripcord, include transport to your “hospital of choice” in some of their plans.

What if I get Covid during my trip?

Only a few medical evacuation programs will transport Covid-positive patients. Medjet will transport members who are hospitalized with Covid while traveling globally (subject to the local safety situation—State Department Level 3/4 advisories prompted by extreme violence may preclude evacuations); their individual memberships start at $99 for eight days of coverage. Covac Global will evacuate Covid-positive members who are not hospitalized, but only if it is deemed “medically prudent to avoid hospitalization”; those not evacuated receive a $500 stipend for each day they spend in quarantine. Individual Covac Global memberships that cover medical evacuations, including for Covid, start at $765 for 15 days.

Which medical evacuation program do you recommend?

Wendy personally has a MedjetHorizon membership covering her and her family, partly because it offers crisis protection too: If during a trip you feel that your safety and security may be threatened—because of a political incident, terror attack, or other crisis—Medjet will come to the rescue. As for travel insurance to get you as far as the nearest medical facility that the insurance company deems appropriate, the policy that Wendy purchases for her and her family members always depends on the circumstances of the trip, but she often chooses and recommends Travelex Insurance Services. That’s because its Ultimate policy is the policy she’s received the best feedback about from travelers, when it comes to reliability, generosity, and customer care. Transparency disclosure: Medjet and Travelex are both sponsors of WendyPerrin.com. But that’s because Wendy believes in them and uses them herself. (Travelex Insurance Services is not related in any way to the defunct currency-exchange business Travelex.)

 

Be a smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. Read real travelers’ reviews, then use the black CONTACT buttons on Wendy’s WOW List to reach out to the right local fixer for your trip.

Aerial view of a river and mountains in New Zealand

Live Answers to Your Travel Questions: Join Us on Zoom for WOW Week 2023 January 23–27

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UPDATE: WOW Week 2023 is now over. Thank you all for joining us! We have posted the Zoom recordings below, in case you missed any talks or want to share them with your friends. Stay up to date by signing up for our newsletter. 

 

 

This year is shaping up to be a huge one for international travel. Now that so many countries have dropped their Covid entry requirements, many more people worldwide will be traveling abroad. And in some countries—all in different stages of ramping back up post-pandemic—local inflation and staffing shortages mean higher costs, longer lines, and trickier logistics. Not to worry: We’ve got the solutions, and we’ll be sharing them during WOW Week, January 23 – 27, when we’ll host a Travel Talk every day at 7 pm EST and answer your burning travel questions.

 

 

Where and When To Travel in 2023

Monday, January 23, at 7 pm EST

With many more people worldwide making international trips this year than last, prices will be higher and logistics more challenging. It will be especially important to choose your destinations wisely and time your trips smartly. Wendy, Brook, and Carolyn shared dozens of tips for doing so.

WATCH THE ZOOM RECORDING

 

Fly Smarter This Year: Best Flights, Seats, and Fares

Tuesday, January 24, at 7 pm EST

Will airfares ever drop, and to where? Which parts of the world will be the best value to fly to in 2023? When should you book your summer flights? Airline expert Brett Snyder, founder of Cranky Concierge, answered these questions and many more.

WATCH THE ZOOM RECORDING

 

Protect Your Trip—and Your Health—in 2023

Wednesday, January 25, at 7 pm EST

Too many people find out too late that they should have bought travel insurance or an emergency medical-assistance membership. So we brought in experts to demystify these seemingly complicated topics, and to help you understand how you can—and can’t—protect your health and your financial investment.

WATCH THE ZOOM RECORDING

 

New Ways to See the World by Water

Thursday, January 26, at 7 pm EST

There are parts of the world that are best seen from the water, and there is a growing array of unusual itineraries and small ships for doing so. Cruise expert Carolyn Spencer Brown, joined by Wendy and Brook, talked about cool ways to explore the world’s waterways in 2023.

WATCH THE ZOOM RECORDING

 

Get More for Your Miles and Points in 2023

Friday, January 27, at 7 pm EST

You could be saving thousands of dollars on better award flights and nicer lie-flat seats in premium cabins. Gary Leff, writer of View From The Wing and founder of Book Your Award (now merged into Point.me), shared dozens of tips for maximizing your miles and points.

WATCH THE ZOOM RECORDING

 

A big thank-you to our WOW Week sponsor, Medjet.

Medjet is a global air medical transport and travel security membership program that can give travelers greater peace of mind. Their sponsorship enables me, Brook, Carolyn, Kristine, and the rest of our growing team to spend time answering your travel questions (via our Get a Personalized Trip Recommendation feature) and finding the smartest trip-planning specialists for you (see Wendy’s WOW List).

Don’t miss this special WOW Week discount

Medjet is offering our WOW Week audience an exclusive discount of 10% off New Medjet Annual Memberships. The deal is available from Mon January 23 at 9am ET till Mon January 30 at 5 pm ET. You can learn more about Medjet and get the deal by clicking the red button below. 

GET THE DEAL

 

Protect Your Trip—and Your Health—in 2023

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Baffled by travel insurance and evacuation assistance? You’re not alone. So for our WOW Week 2023 Travel Talk on January 25th, we brought in experts to demystify these seemingly complicated topics, and to help you understand how you can (and can’t) protect your health and your financial investment. Joining us were Sheri Howell, from air-medical-transport and crisis-response provider Medjet, and Stan Sandberg, co-founder of travel-insurance comparison site TravelInsurance.com.

3 top takeaways

  • Buy insurance as soon as you’ve committed to a trip. To get the full benefits of a comprehensive insurance policy—including, in many cases, coverage for any pre-existing medical conditions—you must buy it soon after you’ve made your first trip payment. Don’t wait until your trip is just around the corner to start shopping for insurance.
  • Insurance just gets you to the nearest adequate medical facility. The medevac coverage in your insurance policy is crucial for getting you to a hospital in an emergency. But only a membership-based medical-transport program will then bring you to your hospital of choice back home.
  • Covid is now treated like any other illness. Unlike at the start of the pandemic, Covid is now covered by most insurance policies: You will be reimbursed if you have to cancel your trip because you test positive before you leave, and your medical bills will be paid if you need treatment abroad.

Links to Useful Resources

How to Buy Travel Insurance: What It Covers, When You Need It

What Medical Evacuation Coverage Do You Need?

“Cancel For Any Reason” CFAR Travel Insurance: What It Is and How It Works

 

Be a smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. Read real travelers’ reviews, then use the black CONTACT buttons on Wendy’s WOW List to reach out to the right local fixer for your trip.

How to Protect Yourself and Have Peace of Mind When You Travel

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It may feel like the pandemic is over, but if you are planning a trip, there are specific things you need to do in order to protect yourself. In this talk, experts from the fields of health, travel insurance, and emergency assistance tell you how to prepare.

The WendyPerrin.com team was joined by experts on Covid medicine, travel insurance, and travel emergency assistance:

  • Dr. Timothy Triche, Professor of Pathology at the University of Southern California’s Keck School of Medicine
  • Stan Sandberg, Co-Founder of travel-insurance comparison site TravelInsurance.com
  • Sheri Howell, Vice President of air-medical-transport and crisis-response provider Medjet

 

(6:40) What travel insurance covers and does not cover during this stage of the pandemic

Stan Sandberg of Travelinsurance.com explains what travel insurance covers these days (Covid and otherwise), plus the ins and outs of successfully protecting your investment.

(23:14) The health tools we have for managing Covid concerns when we travel

Dr. Timothy Triche, Professor of Pathology at the University of Southern California’s Keck School of Medicine, lays out the tools we have to combat Covid when we travel, including why you still want to wear a mask on planes—and which type of mask.

(39:29) Getting yourself home if you run into trouble during a trip

Sheri Howell of Medjet—the membership program that provides global air medical transport, travel security, and crisis response—talks about how and when travelers who are stuck abroad can get home, how Medjet handles members who contract Covid, and how Medjet responds to a security threat or other crisis.

(52:20) Wendy and the experts take questions from the audience

The panelists field questions including how to get medical treatment overseas, whether it’s possible to obtain antivirals ahead of travel, the ideal timing for buying insurance before a trip, and whether Medjet has any age or geographic exclusions.

Read more

 

5 Testing Tips for an Easy Return Flight to the U.S.

Getting a Covid Test Abroad is Easy

How to Get a Quick Covid Test for Travel

How to Buy Travel Insurance: What It Covers, When You Need It

What Medical Evacuation Coverage Do You Need?

“Cancel For Any Reason” CFAR Travel Insurance: What It Is and How It Works

Traveler Reviews of Pandemic Trips Arranged by WOW List trip-planning experts

Wendy’s Travel Advice for 2022

New Nonstop Flights To Make Your Travels Easier in 2022

CDC Covid Tracker

Worldometer Coronavirus cases/deaths/recoveries counter

Covariants.org: An overview of Covid variants

 

stock photo of toy airplane on stack of masks and passport with a globe signifying travel during Covid

Your Biggest Covid Travel Questions Answered

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I’ve spoken with many of you over the past few weeks as you’ve wrestled with whether to go forward with your winter travel plans and, if so, how to smarten them up, given Covid surges and current global events. Most of you are bound and determined to forge ahead with your trips—to Italy, Egypt, Tahiti, the Galapagos Islands, France, Panama, Iceland, Portugal, Belize, Costa Rica, Colombia, Kenya, Rwanda, the Maldives, Antarctica, and more.  I can understand why.  We’re not back in March of 2020:  There are many more tools now for traveling safely and responsibly. And I’m not just talking about the availability of vaccines, boosters, and N95 masks for the airport and plane. Unlike at the start of this pandemic, we’ve also now got at-home test kits for use pre-trip and before boarding your return flight. There’s now evacuation coverage so that, if your worry is the possibility of testing positive overseas and being quarantined, there’s a way you can avoid that and get home. There are also guardian angels who have proven they can keep travelers away from crowds, privately cocooned, and in the open air as much as possible throughout a trip. The proof?  It’s in your trip reviews. Below find the information you need for safe travel now. —Wendy

Wendy’s Travel Advice for 2022

Wendy’s Travel Advice for 2022: Based on everything we’ve learned throughout the pandemic, if you’re looking for the best travel experiences in 2022, here’s my advice.

Covid Testing

How to Get a Quick Covid Test for Travel:  We’ve rounded up several of your best options Covid tests with the last-minute results you need for many destinations: We’ve listed in-person options in select U.S. cities, mail-in test kits that you can do from home (note that some places will not accept results from mail-in tests), and self-administered tests that you can take in a foreign country.

5 Testing Tips for an Easy Return Flight to the U.S.: Air travelers age two and older must still show a negative Covid test when flying back into the U.S. after an international trip. But it doesn’t have to be a hassle. Here’s how to make it easier.

Getting a Covid Test Abroad is Easy:  Don’t let fear of a required Covid test outside the U.S.—either for a return flight to the U.S. or to cross borders during a multi-country trip—scare you away from overseas travel.

What Happens If I Test Positive on a Trip? We Answer Travelers’ Biggest Concerns About Testing, Quarantine, and Insurance:  The biggest concerns we hear from travelers these days are about how to get tested before and during a trip, what happens if they test positive while overseas, and what quarantine rules will apply there. In this FAQ, we answer all of those questions and more.

Travel Insurance

How to Buy Travel Insurance: What It Covers, When You Need It:  Travel insurance can be confusing, especially during Covid. So we’ve created this FAQ that lays out everything from what you can expect it to cover (even now) to when you need it and when you don’t.

“Cancel For Any Reason” CFAR Travel Insurance: What It Is and How It Works:  If you’re concerned about traveling during the time of COVID-19, regular travel insurance won’t help you. CFAR coverage is the only way to be protected.

What Medical Evacuation Coverage Do You Need?:  In years past, we purchased medical-evacuation coverage in case we broke a leg while hiking in the Alps or had a heart attack on a remote island with no decent hospital. Nowadays, though, the nightmare scenario in our minds as we try to plan travel is the possibility of ending up quarantined—or even hospitalized—with Covid-19 far from home. Here’s what you need to know about how to get flown home, and how to protect yourself from a financial disaster.

Where You Can Go and Entry Requirements

The Countries That Are Open to U.S. Travelers and How to Get In:  This is your one-stop resource for all the important details about which countries are opening to U.S. travelers and what their entry requirements are.

Countries With No Covid Entry Requirements: These are the countries where WOW Listers can plan safe, smart trips don’t require any vaccination or pre-trip testing.

Where You Can Travel with No Pre-Trip Test Required:  We’re also keeping a list of countries that are open to vaccinated travelers—with no testing or quarantine requirements.

Air Travel Tips

New Nonstop Flights To Make Your Travels Easier in 2022:  Many airlines are planning to launch long-awaited routes next year, and some have already announced new flights that weren’t even on their minds back in 2020. To help you find inspiration, Brett Snyder of Cranky Concierge rounds up the airline routes to keep your eyes on.

When Is the Best Time to Buy Airfare This Year?: Given the rise in fuel prices that’s happening now, given the surge in people who want to travel this summer, and given the no-fly zone over Russia, when should travelers buy their airline tickets for flights this year? We spoke to two air travel experts to get their insights.

When and Where to Use Your Airline Miles This Year: Frequent travelers want to know the best time to start tapping into that stockpile of credit card points and miles they’ve been racking up during the pandemic, plus the destinations and airlines where those awards will stretch the furthest. We’ve got answers.

The Best Credit Cards for Travelers: Whether you’re actually traveling or working your way toward a trip, the right credit card can be a big help in getting you there. We break down which cards are best for travelers in 2022.

Current Travelers’ Experiences

WOW Travel During Covid: The Trip Reviews That Matter Most Right Now:  Find out what travel is like from real people who’ve just been on trips in the past few weeks. These trip reviews show what it’s really like to travel now in specific places, and how the right destination expert can make it work.

The Trip Planners You’ve Approved

The WOW List: Top Local Fixers in Countries Worldwide:  The WOW List is a collection of exceptionally knowledgeable and well-connected trip planners around the world. They have been rigorously road-tested, based on my decades of experience as a travel journalist and based on the most recent trip reviews from travelers who have used my WOW approach to ensure an extraordinary trip. During the pandemic, I have been watching these Trusted Travel Experts like a hawk, closely monitoring our travelers’ pandemic trip reviews and updating The List accordingly.


Be a safer, smarter traveler: Sign up for Wendy’s weekly newsletter to stay in the know. And read real travelers’ reviews of Wendy’s WOW List and use it to plan your next trip.

Understanding Travel Insurance in the Covid Era: What you need and where to get it

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We’ve gotten so many questions about travel insurance during Covid that we devoted one of our WOW Week travel talks to the topic. The WendyPerrin.com team was joined by three experts on travel insurance and evacuation assistance: Stan Sandberg of travelinsurance.com, Meghan Walch of insuremytrip.com, and Sheri Howell of Medjet. Below are the top six takeaways from our talk, and you can watch the full video above.

Many travel insurance plans have added coverage for pandemics.

Before Covid, it was standard for insurance plans to exclude coverage due to an epidemic or pandemic. Now, some plans—but not all of them—are treating Covid like any other medical illness; they will cover trip cancellation or interruption due to Covid, or medical bills if you are diagnosed with it during your trip. To confirm your policy’s particular coverage, read the disclosures or speak with an agent before you purchase.

Standalone medical coverage is cheap.

Most travelers are looking for a “comprehensive” travel insurance policy: one that covers their nonrefundable trip payments plus any medical expenses that arise during travel. If your main concern is covering illness or injury, you can save hundreds of dollars by foregoing coverage for trip cancellation or interruption. (Annual policies generally only provide medical coverage, and are a good option if you take more than four trips per year.)

For insurance that covers preexisting medical conditions or allows you to “cancel for any reason,” act quickly.

These pieces of coverage are time-sensitive, which means that you’re only eligible for them if you purchase your policy within 10 to 21 days (depending on the carrier) of making your first trip deposit. For more details on “cancel for any reason” insurance, see “Cancel For Any Reason” CFAR Travel Insurance: What It Is and How It Works.
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Travel insurance typically covers default of a hotel or other supplier, but not of a travel agency.

Say you put down a deposit for a reservation at a hotel that subsequently goes out of business. Many plans will cover you for financial default of a hotel. However, if your deposit is being held by a travel agency or other intermediary that goes under, your insurance might not reimburse you. To confirm that your financial investment is protected, speak with a representative of the insurance provider whose policy you plan to purchase and explain your specific situation. Click here to read more about travel insurance coverage for financial default.

If travel insurance is the cake, evacuation assistance that gets you back home is the icing.

If you have a medical emergency, most policies will cover your transportation to the nearest acceptable medical facility. If you fall off a horse at a ranch in Argentina, that could mean an ambulance ride to Buenos Aires. If you want to be transported back home, you need additional coverage from a program such as Medjet: Once you are hospitalized, they will transport you back home to the hospital of your choice. See also What Medical Evacuation Coverage Do You Need?

Don’t buy the insurance your airline tries to sell you when you book your flights.

Travel insurance is not one-size-fits-all. Use a comparison site such as travelinsurance.com or insuremytrip.com to search for the most cost-effective policies that best fit your particular needs, with the coverage limits you want.

There was a lot more great info shared by our travel-insurance experts; watch the video above to hear it all. And for a primer on the basics of travel insurance, read this article.

 

 

 

Annapurna, Nepal

How to Get Help in an Emergency When Traveling Abroad

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Question:

“Wendy, thank you for your tips on what to do if an emergency happens when you’re traveling. I feel that a traveler ought to devise a ‘scheme B’ for getting out of the country in the event that ‘things go sideways’ due to political turbulence or unrest. You shouldn’t rely only on your country’s embassy. Shouldn’t you have a ‘scheme B’?” —Valerie

Answer:

That’s true, Valerie. Fortunately, there’s an easy Plan B. It requires zero effort on the traveler’s part and should, in fact, be your Plan A: Use the right destination-specialist travel-planning firm to arrange your trip in the first place. The destination specialists on my WOW List are chosen partly because they can and will rescue you in any emergency. Toni Neubauer of Myths and Mountains, for example, operates stellar trips to Asia and is the Nepal specialist on my WOW List. To understand how Toni came to the rescue when the Nepal earthquake struck, read this review posted to WendyPerrin.com by Joe and Rowena Burke, who were in Katmandu, Nepal, when the quake struck on April 25. Here, in the Burkes’ words, is how Toni got them out of the country:

“Behind the scenes Toni Neubauer of Myths and Mountains worked tirelessly to coordinate our hasty departure. We were able to reach out to her several hours after the quake. She immediately sprang into action and somehow, through her extensive network of contacts in the region, booked us a flight the following afternoon. Booking the flight was miraculous, but it would have been meaningless but for Toni’s people on the ground, as we needed transport from our hotel.

Toni’s (and our) guide, Ananta Gubhaju, and his colleagues were there whenever we needed them. They safely transported us through the chaos at the airport and then waited there for more than 8 hours, having promised not to leave until our flight departed. When the flight was cancelled, they promptly returned us to the hotel, which welcomed us with open arms.

All the while Toni continued to work behind the scenes, anticipating that the flight might not work. She confirmed the original flight for the next day and booked a back-up. She maintained constant contact with our relatives stateside. It was unequivocally clear that she had established a reliable, professional network of wonderful people as a result of her years of travel to the region.

Her efforts, and those of her network, did not end when we safely arrived in Varanasi. Somehow she marshaled people who met us at the gate and whisked us through customs as we ran to make a connection to Delhi. When we arrived at the gate after the flight’s departure, there was no cause for concern. Within minutes we were booked on the next flight out, giving us an hour or so to decompress before we travelled to Delhi, where, once again, Toni’s people were patiently waiting for us when we arrived.

It was apparent from my first contact with Toni that Myths and Mountains is much, much more than a travel agent. Her organization knows the region and has an incredible appreciation of the needs of its clients and the idiosyncrasies of travel to the region’s special places. Her understanding of the area reflects her decades of travel and commitment to the region, as evidenced by her support of READ Global.

I will not allow our trip to the foothills of the Himalayas to be defined solely by the catastrophe that struck Nepal because Toni made it so much more. We spent 8 captivating days in Bhutan, where her contacts were absolutely fabulous. Her colleagues in Delhi and Agra made our short time in India a truly great experience that forever changed my perception of that country. And when we return to Nepal—and return we will—Toni will be the person who will get us there and who will get us back.”

So you see, Valerie, relying on a country’s embassy to get you out in an emergency is really Plan B. Plan A is to use the right destination specialist to arrange your trip in the first place.