Travel Insurance

What Travel Insurance Covers

Travel insurance typically covers trip cancellation due to illness, weather, or emergencies, medical expenses while traveling (critical since Medicare doesn't cover you outside the U.S.), emergency evacuation back to the United States, lost or delayed baggage, and trip interruption if you need to return home early.

Why Medicare Beneficiaries Need Travel Insurance

Original Medicare provides very limited coverage outside the United States. If you have a medical emergency abroad, you'll pay out of pocket for treatment, hospital stays, and medical evacuation—which can cost tens of thousands of dollars. Travel insurance fills this critical gap.

Types of Travel Insurance

Single-trip policies cover one vacation or trip. Annual plans cover multiple trips throughout the year and are cost-effective for frequent travelers. Medical-only plans focus on emergency medical coverage without trip cancellation benefits. Comprehensive plans include medical coverage, trip cancellation, baggage protection, and more.

Why Work With an Independent Broker?

We help you compare travel insurance options, understand policy exclusions and limitations, choose coverage amounts appropriate for your destination, and find the strong value for your travel plans. Our services are no-cost—we're compensated by the insurance companies.