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Travel Insurance

Travel With More Confidence

A trip can take months of planning, but unexpected events can happen in a matter of minutes.

A cancelled flight, lost luggage, medical emergency, or unexpected interruption can turn a carefully planned vacation or business trip into a costly experience.

Travel insurance can help protect you financially against certain unexpected events that occur before or during a covered trip.

At SecureWay Insurance, we help travelers understand their options so they can choose coverage that matches their destination, itinerary, and travel needs.

WHAT IS TRAVEL INSURANCE?

Travel insurance is designed to provide financial protection for certain unexpected travel-related losses.

Depending on the policy, coverage may include benefits for:

  • Trip cancellation

  • Trip interruption

  • Travel delays

  • Emergency medical expenses

  • Emergency evacuation

  • Lost or delayed baggage

  • Baggage theft

  • Missed connections

  • Certain travel-related emergencies

Coverage varies by plan, destination, insurer, and circumstances.

TRIP CANCELLATION COVERAGE

Imagine spending thousands of dollars on flights, hotels, tours, and other arrangements—then discovering you can’t travel.

Trip cancellation coverage may reimburse eligible prepaid, non-refundable trip expenses when you cancel for a covered reason.

Covered circumstances can vary but may include certain:

  • Serious illnesses

  • Injuries

  • Family emergencies

  • Severe weather events

  • Other qualifying circumstances

Important: Travel insurance does not necessarily cover cancellation for any reason. The policy determines which reasons qualify.

TRIP INTERRUPTION COVERAGE

Sometimes a trip begins normally but something unexpected forces you to return home early.

Depending on your policy, trip interruption coverage may help with eligible:

  • Unused prepaid travel expenses

  • Additional transportation costs

  • Accommodation expenses

  • Other covered interruption-related costs

This can be especially valuable when traveling far from home.

TRAVEL MEDICAL INSURANCE

Getting sick or injured while traveling can be stressful—and medical treatment in another country can become expensive.

Depending on the plan, travel medical coverage may help with eligible expenses resulting from a covered illness or injury during your trip.

Benefits may include certain:

  • Doctor visits

  • Hospital treatment

  • Emergency room services

  • Prescription medication

  • Diagnostic services

  • Emergency medical treatment

Travel medical coverage is subject to the policy’s conditions, exclusions, limits, and applicable deductibles.

EMERGENCY MEDICAL EVACUATION

Some medical situations require specialized treatment that isn’t available where you’re traveling.

Emergency medical evacuation coverage may help with eligible transportation costs when a covered medical emergency requires evacuation or transportation to an appropriate medical facility.

Depending on the policy, this can involve:

  • Air ambulance transportation

  • Ground ambulance services

  • Transportation to an appropriate hospital

  • Certain arrangements required for emergency medical care

This type of coverage can be particularly important for international or remote travel.

BAGGAGE & PERSONAL BELONGINGS

Luggage can be lost, stolen, damaged, or delayed.

Depending on the policy, travel insurance may provide benefits for eligible baggage-related losses.

Coverage can potentially help with:

  • Lost luggage

  • Stolen belongings

  • Damaged baggage

  • Delayed baggage

  • Certain essential purchases following a covered delay

Keep receipts and documentation for valuable items and expenses whenever possible.

TRAVEL DELAY COVERAGE

Flight delays can result in unexpected expenses.

If your covered trip is delayed for a qualifying reason and the applicable waiting period is met, your policy may provide benefits toward certain additional expenses.

These may include eligible:

  • Meals

  • Accommodation

  • Transportation

  • Other necessary expenses

The amount and qualifying circumstances vary by policy.

MISSED CONNECTIONS

A delayed flight can sometimes cause you to miss another flight, cruise, train, or other scheduled transportation.

Some travel insurance policies provide benefits for eligible missed connections caused by covered circumstances.

This can help reduce the financial impact of unexpected travel disruptions.

WHO SHOULD CONSIDER TRAVEL INSURANCE?

Travel insurance can be worth considering for many types of travelers, including:

  • Families going on vacation

  • International travelers

  • Business travelers

  • Cruise passengers

  • Students studying abroad

  • Seniors traveling internationally

  • Travelers booking expensive trips

  • Adventure travelers

  • Travelers visiting remote destinations

The value of coverage depends on your trip cost, destination, health circumstances, activities, and tolerance for financial risk.

TRAVEL INSURANCE FOR FAMILIES

Traveling with a family can mean having more people, reservations, and expenses to consider.

One unexpected event affecting one family member can potentially affect the entire trip.

When evaluating family travel insurance, consider:

  • Number of travelers

  • Ages of travelers

  • Trip duration

  • Total prepaid expenses

  • Destination

  • Medical needs

  • Planned activities

  • Cancellation risks

INTERNATIONAL TRAVEL INSURANCE

International travel can introduce additional financial and logistical challenges.

Depending on your destination, you may encounter:

  • Higher medical costs

  • Language barriers

  • Different healthcare systems

  • Long-distance transportation requirements

  • Lost documentation

  • Travel disruptions

  • Emergency evacuation needs

Travel insurance can provide benefits for certain covered situations and may be especially useful when traveling far from home.

CRUISE TRAVEL INSURANCE

Cruises involve multiple destinations, prepaid arrangements, and scheduled departures.

A missed departure or unexpected medical problem can potentially disrupt the entire trip.

Cruise-related travel insurance may provide benefits for eligible:

  • Trip cancellation

  • Trip interruption

  • Medical emergencies

  • Evacuation

  • Missed connections

  • Travel delays

  • Lost or delayed baggage

Always check whether the policy specifically addresses your cruise itinerary and activities.

ADVENTURE & ACTIVITY COVERAGE

Travelers may participate in activities such as:

  • Skiing

  • Snowboarding

  • Scuba diving

  • Hiking

  • Water sports

  • Mountain activities

  • Other recreational pursuits

Not every travel insurance plan automatically covers every activity.

If your trip involves higher-risk activities, carefully check the policy’s exclusions and requirements before purchasing coverage.

WHAT TRAVEL INSURANCE MAY NOT COVER

Travel insurance is not an unlimited guarantee against every travel problem.

Depending on the policy, exclusions or limitations may apply to:

  • Certain pre-existing medical conditions

  • Travel undertaken against medical advice

  • Certain high-risk activities

  • Alcohol- or drug-related incidents

  • Known events occurring before purchase

  • Certain pandemics or epidemics

  • Unapproved cancellations

  • Losses that can be recovered from another source

  • Expenses exceeding policy limits

Always read the policy documents before purchasing coverage.

PRE-EXISTING MEDICAL CONDITIONS

Travelers with existing medical conditions should pay close attention to the policy’s medical exclusions.

Some plans may exclude certain pre-existing conditions unless specific requirements are satisfied.

Depending on the policy, eligibility for coverage may depend on factors such as:

  • When the policy was purchased

  • Stability of the medical condition

  • Medical treatment received

  • Doctor’s advice

  • Applicable eligibility requirements

Never assume a medical condition is covered without reviewing the policy.

HOW MUCH DOES TRAVEL INSURANCE COST?

Travel insurance premiums can vary depending on several factors.

These may include:

  • Trip cost

  • Traveler age

  • Destination

  • Trip length

  • Number of travelers

  • Coverage level

  • Medical benefits

  • Optional benefits

  • Policy limits

A cheaper policy isn’t always the best option. Compare the benefits and exclusions alongside the price.

WHEN SHOULD YOU BUY TRAVEL INSURANCE?

It is generally wise to consider travel insurance soon after making significant prepaid, non-refundable travel arrangements.

Buying coverage earlier may provide access to certain benefits that depend on when the policy is purchased.

Some policies also have specific time-sensitive requirements for certain coverage options.

Always check the applicable policy rules and purchase deadlines.

HOW TO CHOOSE THE RIGHT TRAVEL INSURANCE

Look at Your Trip Cost

The more you have invested in prepaid, non-refundable arrangements, the more important cancellation and interruption coverage may become.

Consider Your Destination

International and remote destinations can create different medical and transportation risks.

Review Medical Coverage

Look at emergency medical limits, deductibles, exclusions, and evacuation benefits.

Check Baggage Protection

If you’re carrying expensive belongings, make sure the policy’s limits are appropriate.

Understand Cancellation Reasons

Don’t assume every reason for cancelling qualifies for reimbursement.

Read the Exclusions

The exclusions can be just as important as the benefits.

WHAT TO DO IF SOMETHING GOES WRONG

If you experience a covered travel problem:

Document the Event
Keep tickets, receipts, booking confirmations, medical records, police reports, and other relevant documentation.

Contact the Appropriate Provider
Notify airlines, hotels, tour operators, medical providers, or other responsible parties when appropriate.

Contact Your Insurer
Follow the insurer’s instructions for reporting the event and submitting a claim.

Keep Your Receipts
Maintain records of eligible expenses associated with the incident.

Submit Your Claim Promptly
Follow the policy’s requirements and applicable deadlines.

FREQUENTLY ASKED QUESTIONS

Is travel insurance worth it?

It depends on your trip and financial circumstances. Travel insurance can be particularly valuable when you have significant prepaid expenses or are traveling internationally.

Does travel insurance cover cancelled flights?

Coverage depends on why the flight or trip was cancelled and whether the reason qualifies under the policy.

Does travel insurance cover medical expenses abroad?

Some travel insurance policies provide emergency medical benefits for eligible illnesses or injuries during covered trips.

Does travel insurance cover lost luggage?

Many plans provide baggage benefits for certain lost, stolen, damaged, or delayed luggage, subject to applicable limits.

Does travel insurance cover trip cancellation for any reason?

Standard trip cancellation coverage generally applies only to specified covered reasons. Some insurers may offer optional “cancel for any reason” coverage with additional requirements and limitations.

Does travel insurance cover pre-existing conditions?

Not necessarily. Pre-existing medical conditions may be excluded unless the policy’s specific requirements for coverage are met.

Can I buy travel insurance after booking my trip?

Travel insurance can generally be purchased after booking, but certain benefits may have time-sensitive purchase requirements.

Does travel insurance cover adventure activities?

Some activities may be excluded or require additional coverage. Check the policy before participating in higher-risk activities.

TRAVEL WITH GREATER CONFIDENCE

You can’t predict every event that may happen during a trip—but you can prepare for some of the financial consequences.

From trip cancellation and medical emergencies to baggage problems and unexpected delays, the right travel insurance can provide valuable financial protection when covered events disrupt your plans.

SecureWay Insurance can help you understand the available options and identify coverage considerations based on your destination, itinerary, and travel needs.

Travel insurance coverage, premiums, deductibles, exclusions, benefit limits, eligibility requirements, waiting periods, cancellation provisions, and claim procedures vary by insurer, policy, destination, and individual circumstances. This page is provided for general informational purposes only and does not guarantee coverage or benefits. The applicable policy documents control the actual terms of coverage.