Travel Insurance: Why It Matters
Trips are an investment. Travel insurance helps protect that investment when life, health, or weather doesn’t go according to plan.
Common Types of Coverage
- Trip Cancellation – If you need to cancel for a covered reason before departure.
- Trip Interruption – If your trip is cut short for covered reasons.
- Travel Delay – Coverage for extra expenses caused by significant delays.
- Emergency Medical – Medical care during your trip, especially important outside your home coverage area.
- Medical Evacuation – Transportation to appropriate medical facilities when needed.
- Baggage & Personal Effects – Loss, theft, or delay coverage for luggage and belongings.
Optional Upgrades
Some plans offer enhanced flexibility, such as “Cancel For Any Reason” (CFAR) benefits, which may allow partial reimbursement when you cancel for reasons not otherwise covered by the base policy, subject to specific terms and timelines.
Not every trip or traveler will need the same level of coverage. We can help you compare options and point out key differences so that you can decide what fits your risk tolerance and budget.
How Travel by B & T Helps
- Provide information about travel insurance options for your specific trip type
- Offer quotes from insurance providers
- Highlight major coverage categories and exclusions to review
- Remind you of enrollment timelines tied to deposit dates and pre-existing condition waivers, where applicable
We are not an insurance company and we do not decide claims. All coverage, benefits, exclusions, and claim decisions are governed by the insurance policy you select and the provider’s terms and conditions. You should review the full policy documents and contact the insurance provider directly with specific coverage questions.
When Travel Insurance Can Make a Difference
Missed Cruise Departure
Your flight to the port is delayed overnight due to weather and you miss the ship’s departure. Without coverage, catching up to the ship or rebooking may mean a major out-of-pocket cost. A policy with trip interruption and travel delay coverage may help with eligible expenses, subject to policy terms.
Family Emergency Before Travel
A serious illness or emergency in your family occurs right before your trip, and you can no longer travel. Trip cancellation coverage may help recoup non-refundable costs when the reason is covered under the policy.
Medical Event Away from Home
You experience a medical emergency while outside your home coverage network or in another country. Travel medical and evacuation benefits can be critical, as standard health insurance may not fully apply or may not cover evacuation.
When to Strongly Consider Coverage
- Trips involving flights, especially connections or long-haul travel
- Cruises and all-inclusive stays with non-refundable components
- Group and celebration travel where multiple people are involved
- Travel during peak storm seasons or winter weather
- Trips where unexpected medical costs would be a major concern