Travel insurance is a relatively small extra cost that can protect a much larger trip investment if something unexpected forces you to cancel, delay, or need medical care while you are away. It lets you focus on the fun part of the vacation, knowing that many of the “what ifs” are covered.​

Why travel insurance matters

Travel plans can be derailed by events that are completely outside a traveler’s control, such as illness, family emergencies, hurricanes, airline issues, or problems at your vacation destination. Resorts, cruise lines, and airlines often treat these as non‑refundable “acts of God,” so travelers may lose most or all of what they paid if they are not insured.​

When suppliers offer credits instead of refunds, those credits may be limited by blackout dates, strict rebooking rules, or expiration dates. Travel insurance is designed to step in when supplier policies do not, helping to reimburse covered losses rather than leaving travelers to absorb them on their own.​

Where can I find Travel Insurance

For the widest choice and best value, consider using a trusted travel insurance comparison site such as Squaremouth or InsureMyTrip, or buying directly from a reputable insurance provider to match coverage and price to your specific trip.

Protecting your trip investment

Most comprehensive policies can help reimburse prepaid, non‑refundable trip costs if a traveler has to cancel or cut a trip short for a covered reason, like a sudden illness, injury, or certain job or family emergencies. This matters most on high‑value vacations where flights, resort stays, and special events are often paid in full long before departure.​

Some insurers also offer “Cancel For Any Reason” style upgrades that can provide partial reimbursement even when the reason is not covered under a standard policy, such as a change of plans or simply no longer feeling comfortable going. For many travelers, that extra flexibility is worth the added cost because it reduces the pressure of “use it or lose it”.​

Help with medical surprises

Many travelers are surprised to learn that their regular health insurance may offer limited or no coverage outside their home country and rarely pays for an emergency medical evacuation back home. A travel insurance policy can include benefits for emergency medical treatment, hospital stays, evacuation, and sometimes even help replacing essential prescriptions if luggage with medication is lost.​

On adults‑only and lifestyle trips, travelers are often more active—on the beach, in the water, on excursions—and minor mishaps can happen even on a relaxed vacation. Having dedicated travel medical protection gives peace of mind that care and coordination are available 24/7 if something goes wrong far from home.

Coverage for delays, baggage and more

In addition to cancellation and medical protection, many plans also include benefits for missed connections, travel delays, and lost, delayed, or damaged baggage. That can mean reimbursement for extra hotel nights, meals, and essentials when flights are disrupted, as well as compensation to replace necessary items if bags do not arrive on time.​

For complex itineraries—connecting flights, pre‑ and post‑nights, or cruises that leave from a different city—delay and interruption coverage can be especially valuable, because one missed segment can cascade into major extra expenses. Insurance helps soften the financial impact of those domino effects so a frustrating delay doesn’t turn into a budget‑breaking nightmare.​

A smart, affordable safeguard

Depending on the plan and your unique circumstances, comprehensive travel insurance typically costs only a small percentage of the overall trip price, yet it can protect thousands of dollars in prepaid reservations. For many travelers, that trade‑off—paying a modest premium now to avoid a potentially much larger loss later—makes travel insurance a smart part of every major vacation.​

My goal is to help travelers enjoy their adults‑only and lifestyle getaways with confidence, not worry, and recommending travel insurance is one more way to look out for their best interests before, during, and after the trip.