Planning
Compare travel protection by the policy
Look at covered reasons, medical benefits, exclusions, and how reimbursement works.
Compare the actual plan documents for your trip. These questions can help you discuss coverage with the insurance provider.
| Check | Questions to ask |
|---|---|
| Trip costs | Which cruise, flight, hotel, and other prepaid costs are eligible? |
| Cancellation | Which reasons are covered? Is a separate cancel-for-any-reason benefit offered? |
| Medical and evacuation | What limits, exclusions, deductibles, and assistance services apply? |
| Reimbursement | Will this benefit pay money, provide travel credit, or reimburse documented expenses? |
| Deadlines | Are there time-sensitive benefits or pre-existing-condition waiver requirements? |
Read the policy and ask the insurer about your circumstances before buying. Keep the plan documents and emergency assistance number with your travel records.