Build the trip correctly
Record the departure and return dates, every insured traveler, all destinations, and the prepaid nonrefundable costs you want protected.
- Separate refundable from nonrefundable bookings.
- Use the correct state of residence for the policy form.
- Include connecting cities when they matter to the itinerary.
Benefits that usually drive the decision
Compare cancellation and interruption first if the trip has substantial prepaid cost; compare medical and evacuation first when health coverage abroad is the larger risk.
- Trip cancellation covered reasons and insured cost.
- Emergency medical and evacuation limits and exclusions.
- Travel delay, missed connection and baggage rules.
When a single-trip plan may fit
A one-off vacation, cruise, tour, honeymoon or high-cost itinerary can be easier to insure with a trip-specific certificate than an annual plan, especially when trip cancellation is important.
Before purchase
Save the quote, certificate, first deposit date, and any optional-benefit eligibility language. Re-run the quote if trip cost or travelers change.