Spend less
A canceled flight, a lost bag, or a medical emergency far from home can turn a trip into a big bill. Find coverage that fits your trip and your budget before you go.
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Trip, medical, and baggage coverage you manage from an app.
Get a price for a domestic, international, or cruise trip, then file claims from your phone. Add-ons include cancel for any reason, rental car, and pet care. Coverage varies by state.
Policies commonly combine several types of coverage: trip cancellation, interruption, and delay; short-term medical care while traveling; emergency medical evacuation; and lost or delayed baggage. Each policy sets its own limits and lists the situations it will and won't cover, so ask exactly what is included before you buy.
The National Association of Insurance Commissioners says policies usually cost 5% to 10% of the total trip price. The price depends on what the policy includes, the season, your destination, your age, and other factors.
Cancel for any reason, or CFAR, is usually an add-on to a standard trip-cancellation policy. It typically must be bought within a set period after booking, costs more, and reimburses only part of your trip expenses. You are generally required to insure all prepaid, nonrefundable trip costs to qualify.
Every policy is different, but common exclusions include preexisting health conditions, pandemics, civil and political unrest at the destination, pregnancy and childbirth, and activities such as bungee jumping or backcountry skiing. Read the exclusions and ask the insurer about anything that applies to your trip.
Buying early may help. If you wait until a storm has already been named, the policy likely won't cover claims related to it. Cancel-for-any-reason coverage typically must be purchased within a certain period after you book.
You might have some. Some credit cards offer trip cancellation and lost baggage coverage, and most homeowners policies cover personal property lost or stolen while traveling. Check whether your health insurance covers you outside your home country, then decide whether what you have is enough.
