Core Coverage Areas
Trip cancellation — Reimburses non-refundable costs if you must cancel before departure due to illness, injury, death in the family, or covered events like hurricanes.
Trip interruption — Covers additional costs if you must cut your trip short and return home early.
Emergency medical — Pays for hospital treatment, doctor visits, and medication abroad. Essential because your domestic health insurance typically does not cover you in another country.
Medical evacuation — Covers the cost of transporting you to the nearest adequate medical facility or back home. Inter-island air ambulance flights in the Caribbean routinely cost $20,000–$80,000.
Baggage loss/delay — Reimburses you for lost, stolen, or delayed luggage and essential items you need to purchase.
Travel delay — Covers meals, accommodation, and other expenses if your flight is significantly delayed.
Common Exclusions
- Pre-existing medical conditions (unless declared and accepted)
- Extreme or adventure sports (unless specifically added)
- Travel to countries with government travel warnings
- Claims arising from alcohol or drug use
- Losses from unattended baggage
- Hurricane damage if the storm was named before you purchased the policy