Protect Your Trip
A great hotel deal deserves great protection. Travel insurance gives you peace of mind so you can focus on enjoying your trip — not worrying about what could go wrong.
Get a Travel Insurance QuoteTrip Cancellation Insurance
Trip cancellation insurance reimburses your prepaid, non-refundable travel costs when you need to cancel for a covered reason. It is one of the most common — and most valuable — forms of travel insurance.
What It Covers
- Illness or injury — You or a traveling companion gets sick or hurt before the trip and can't travel.
- Flight cancellations and delays — Your airline cancels or significantly delays your outbound flight.
- Severe weather — A hurricane, blizzard, or other weather event makes travel impossible or unsafe.
- Family emergencies — A sudden illness, death, or other family emergency forces you to cancel.
- Jury duty or military deployment — Unexpected obligations that you cannot reschedule.
Why It Matters
Most hotel reservations booked at discounted rates have strict cancellation policies. Without trip cancellation insurance, a surprise illness or weather event could mean losing the full cost of your booking. The insurance typically costs a small fraction of your total trip cost and can save you hundreds or thousands of dollars.
Real-World Scenarios
The broken ankle: A couple books a week-long beach vacation. Three days before departure, one of them slips on ice and breaks an ankle. Their non-refundable hotel, flights, and excursions total $3,200. Trip cancellation insurance reimburses the full amount.
The hurricane warning: A family plans a Caribbean resort trip during September. A Category 4 hurricane forces the resort to close. Their $4,500 in prepaid costs is covered.
The work emergency: A traveler's employer requires them to cancel a conference trip because of a last-minute project deadline. Depending on the policy, work-related cancellations may be covered under "Cancel for Any Reason" add-ons.
Travel Medical Insurance
Travel medical insurance covers emergency medical treatment, hospital stays, and medical evacuations when you are traveling away from home — especially abroad, where your regular health insurance likely does not apply.
What It Covers
- Emergency medical treatment — Doctor visits, hospital stays, surgeries, and prescriptions abroad.
- Emergency medical evacuation — Transport to the nearest adequate medical facility, which can cost $50,000 or more without insurance.
- Repatriation — Transportation back to your home country for continued treatment if needed.
- Pre-existing conditions — Many plans offer coverage for pre-existing conditions if you purchase the policy within a specified window after your initial trip deposit.
Why Regular Health Insurance Falls Short
Most U.S. health insurance plans — including Medicare — provide little or no coverage outside the country. Even plans that offer some international coverage often have high deductibles, limited networks, and no evacuation benefits. A medical emergency overseas without travel medical insurance can result in bills of $100,000 or more, and you may be required to pay upfront before treatment begins.
When You Need Travel Insurance
Travel insurance is worth considering for almost any trip, but it is especially important in these situations:
- International travel — Your domestic health insurance likely won't cover you abroad, and medical evacuation costs can be staggering.
- Expensive bookings — The more you have invested in non-refundable reservations, the more you stand to lose.
- Group travel — When multiple family members or colleagues are on the same itinerary, one person's emergency can affect everyone's plans.
- Adventure travel — Skiing, scuba diving, hiking at altitude, and other activities carry higher injury risk and may require specialized evacuation.
- Hurricane and storm season — Traveling to the Caribbean, Gulf Coast, or Southeast Asia during storm season adds weather-related cancellation risk.
- Cruises — Cruise cancellation penalties are often steep, and medical facilities onboard are limited.
- Traveling with pre-existing conditions — If you have a medical condition that could flare up, travel medical insurance provides a safety net.
Get a Travel Insurance Quote
Compare plans, see pricing for your specific trip, and buy coverage in minutes. It takes less time than checking into your hotel.
Get a Quote at buytripinsurance.netHotel Room Discounters recommends travel insurance for all trips. We may receive a referral commission at no extra cost to you.
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