How to Choose the Right Travel Insurance (Without Overpaying or Guessing)

Let’s be honest: travel insurance isn’t the most exciting part of planning a trip. But when things go sideways—delayed flights, lost bags, sudden illness—you’ll be glad you didn’t skip it.

Photo credit: Kenneth Surillo / Pexels

That said, not all travel insurance is created equal. Some policies are packed with unnecessary extras, while others don’t cover the basics you actually need. Here’s how I help my clients choose the right coverage (and avoid overpaying or missing key protection).

First, Do You Even Need It?

In my opinion? Yes. If you’re investing time and money into a trip, insurance is your backup plan. Especially for:

• International travel (emergency medical care can get expensive!)
• Cruises and tours (cancellations = stricter terms)
• Trips during hurricane season or winter storm months
• Trips involving kids, elderly travelers, or complex logistics

Even if you never file a claim, the peace of mind is often worth the cost alone.

Know What You Want Covered

Before picking a policy, think about what could realistically impact your trip. Most people are looking for protection in three main categories:

• Trip Cancellation: Reimburses you if you cancel due to illness, emergencies, etc.
• Trip Delay / Interruption: Covers extra expenses if your trip gets disrupted mid-way.
• Medical Coverage: Pays for emergency care abroad if you get sick or injured.

You can also look for extras like baggage protection, rental car damage, or “Cancel for Any Reason” upgrades.

Credit Card Benefits vs. Standalone Policies

Some travel credit cards include limited coverage—usually trip delay, rental car protection, or lost luggage. That’s great, but it often doesn’t include medical coverage or allow for full trip cancellation refunds.

My take? Use card benefits as a backup, not your primary plan—especially if your trip includes pre-paid tours, resorts, or expensive flights.

Compare Reputable Providers

There are several trusted insurance providers I refer clients to, including:

• Allianz Travel
• Travel Guard by AIG
• Faye (digital-first and modern—great for younger travelers!)
• Travelex Insurance

Each has different tiers, so you can choose a basic or comprehensive plan depending on your trip value and comfort level.

My Favorite Add-On: Cancel for Any Reason (CFAR)

If you’re booking something far in advance and want extra flexibility, CFAR coverage is a game-changer. It allows you to cancel—even if you just change your mind—and get partial reimbursement (usually 50–75%).

Note: CFAR must usually be purchased within 14–21 days of your initial trip deposit, so don’t wait too long!

How Much Does Travel Insurance Cost?

Typically, a solid plan costs about 5–8% of your total trip cost. So for a $4,000 trip, you’re looking at around $200–$300. That’s a small price for financial protection, especially if your flights, resort, or cruise are non-refundable.

What I Offer Clients

When you book with me, I always:

• Help you understand what’s covered and what’s not
• Compare provider quotes for your exact trip
• Send a link to enroll in the best-fit plan (no pressure!)

I’m not an insurance agent—but I am your advocate for stress-free travel. If something goes wrong, I’m here to walk you through the process and help with claims support when possible.

Ready to Travel Confidently?

Travel insurance is one of the smartest things you can add to your vacation plans—and one of the most overlooked. Let me help you find a plan that fits your trip and your peace of mind.

Email me here and I’ll help you find the right protection for your next trip—so you can focus on the fun, not the what-ifs.