Travel Insurance
We help you find travel insurance that protects your trip so that you can explore with confidence.
Why is Travel Health Insurance important?
When traveling, your regular health insurance plan only covers a fraction of costs if you need emergency or unexpected medical care. Don't leave home unprotected. Medical travel insurance is typically affordable and provides valuable medical coverage when traveling in the US or abroad, much like a regular health insurance policy. These types of policies cover care and services that are beyond the scope of your regular health policy, original Medicare, or Medicare Advantage or Supplement plan.
Compare travel coverage and enroll online today!
What Does Travel Insurance Typically Cover?
When comparing travel insurance options, most plans include a combination of these common protections:
Emergency Medical Coverage: Reimbursement for medical treatment if you get sick or injured while traveling, especially important when visiting countries where your health plan doesn’t apply.
Trip Cancellation & Interruption: Compensation for non-refundable trip costs if you must cancel or cut your trip short due to covered reasons like illness, injury, or a family emergency.
Lost or Delayed Baggage: Reimbursement for lost, stolen, or significantly delayed luggage, including essentials you need to replace.
Travel Delay Coverage: Helps cover additional expenses such as meals and accommodations if your trip is delayed due to weather, strikes, or other unforeseen issues.
Emergency Evacuation: Covers the cost of transportation to the nearest hospital or your home country in the event of a medical emergency.
Choosing the Right Plan for You
There’s no one-size-fits-all when it comes to travel insurance. Consider these factors to choose a plan that fits your itinerary and risk level:
- Trip Length: Short trips may need only basic protection, while longer stays could require more comprehensive coverage.
- Destination: High-risk areas or countries with expensive healthcare may necessitate higher medical coverage limits.
- Travel Purpose: Leisure travel, business trips, and adventure travel (like skiing or scuba diving) may each require different types of coverage.
Pre-existing Conditions: Some policies offer waivers or special terms for pre-existing medical conditions—be sure to disclose these upfront.
Who Should Consider Travel Insurance?
Travel insurance can be beneficial for anyone leaving their home country, especially:
- International vacationers
- Digital nomads and remote workers
- Students studying abroad
- Senior travelers or individuals with medical conditions
- Business travelers with tight schedules and bookings
Even if your credit card offers some protection, it may not include crucial benefits like emergency evacuation or high-limit medical coverage.
Why Long-Term Care Insurance Matters
The average cost for a room in a skilled nursing facility exceeds $100,000 per year — and these costs are rising rapidly. Many people assume Medicare or traditional health insurance will cover long-term care, but coverage is usually very limited. That means most of those expenses would fall on you or your family. Without insurance, your retirement savings and other assets could be depleted within just a few years.
Having long-term care coverage helps you:
- Avoid relying entirely on your children or loved ones for caregiving
- Protect your retirement savings and assets
- Have more control over your care decisions
- Reduce emotional and financial stress on your family
- Plan for the reality that nearly 70% of people turning 65 will need long-term care at some point, with 20% needing it for longer than five years
The earlier you buy coverage — ideally while you're younger and healthier — the more affordable it may be.
What Long-Term Care Insurance Covers
Policies vary, but most long-term care insurance plans include:
- Home care services by a licensed care provider
- Assisted living facilities
- Skilled nursing facility stays
- Memory care for Alzheimer’s or dementia
- Respite care, caregiver training, or care coordination
Policies typically reimburse you for services up to a daily or monthly benefit limit, after a short waiting period. Many also offer inflation protection, so your benefits can keep pace with rising care costs. Note that location matters; the cost of care can vary widely depending on where you live or plan to retire. We’ll help you estimate the coverage amount that fits your needs and region.