bgrossmanlocal, Author at InsureMyTrip

2015 Global Terror Alert Results in Increased Demand

Posted on November 24, 2015March 14, 2025 by bgrossmanlocal

WARWICK, R.I., Nov. 24, 2015 — Travel insurance comparison site InsureMyTrip reports an increase in demand for travel insurance due to a growing concern over terrorism. The response comes as the U.S. State Department issued a rare worldwide travel alert on Monday, warning American travelers about widespread threats posed by terrorists.

“This alert comes as millions of Americans are preparing to travel for the holidays. We understand that many travelers are concerned about their overall safety and unexpected travel disruptions. Our customer care department is available to offer guidance on how travel insurance may apply and to help find appropriate coverage for travelers,” said InsureMyTrip CEO Jim Grace.

Since the attacks occurred in France, licensed travel insurance agents at InsureMyTrip estimate a 20 percent jump in calls from travelers seeking insurance protection.

According to an internal poll of licensed insurance agents at InsureMyTrip, the most common requests from travelers regarding terrorism concerns are the following:

Information on terrorism-related coverage.
How to cancel a trip due to terrorism fears.
Information on the Cancel For Any Reason benefit.
How to postpone or change upcoming travel plans.

Here are some examples of how travel insurance can help travelers due to terrorism-related concerns under the trip cancellation, trip interruption and travel delay benefits offered by most travel insurance providers on a comprehensive plan:

Cancel trip due to a terrorist attack: if a terrorist attack happens in a destination on a traveler’s itinerary shortly before departure. Typically, coverage only extends to terror acts that have occurred within a certain number of days before a scheduled departure. Not all travel insurance providers offer this coverage and there are specific requirements.

Cancel trip for any reason: this is an optional time-sensitive benefit that allows travelers to cancel their trip for any reason.

Terrorism-related travel delay: if a terrorism-related situation causes a significant airport slowdown or flight delay.

Terrorism-related trip interruption: if a terrorism event happens at the destination after the traveler has arrived and traveler must cut their trip short.

Emergency assistance: most InsureMyTrip travel insurance providers offer 24/7 assistance services for travelers needing help while traveling or faced with an emergency situation during their trip.

Travelers interested in learning more about protection plans or coverage available can visit www.InsureMyTrip.com or call (800) 487-4722 to speak with a licensed travel insurance agent in our customer care department.

MORE: How does travel insurance cover terrorism?

According to the U.S. State Department, Americans should also exercise particular caution while traveling during the holiday season:

Follow the instructions of local authorities. Monitor media and local information sources and factor updated information into personal travel plans and activities.

Be prepared for additional security screening and unexpected disruptions.

Stay in touch with your family members and ensure they know how to reach you in the event of an emergency.

Contact:
[email protected]

About InsureMyTrip

InsureMyTrip compares travel insurance products from the most trusted providers in the industry. InsureMyTrip’s powerful unbiased comparison engine and thousands of reviews enable travelers to quote and buy the right travel insurance plan. The site is supported by award winning customer service and travel insurance agents licensed in all 50 states.

SOURCE InsureMyTrip

Travel Insurance for Pregnancy: What to Know Before You Go

Posted on July 9, 2015February 20, 2026 by bgrossmanlocal

Pregnancy changes a lot of things, including how you plan your trips. Whether you’re booking a babymoon, visiting family, or traveling internationally for work, understanding how travel insurance for pregnancy works can help protect your health and your investment.

Not all policies treat pregnancy the same way. Some cover unexpected situations, while others exclude normal childbirth or cancellation due to a healthy pregnancy. Here’s what you need to know before you buy.

Does travel insurance cover pregnancy?

Yes, but it depends on the situation and the policy.

Most comprehensive travel insurance plans consider a normal, healthy pregnancy to be a foreseeable event, which means cancellation for simply being pregnant is typically not covered.

However, many policies may provide coverage for:

Pregnancy complications
Emergency medical care related to complications
Trip cancellation or interruption due to covered medical issues

If you want flexibility for non-medical reasons, you may consider a plan with Cancel for Any Reason (CFAR) benefits. This optional upgrade allows you to cancel for reasons not otherwise covered and be reimbursed a percentage of your prepaid, nonrefundable trip costs, as long as you meet eligibility requirements.

Does travel insurance cover pregnancy complications?

In many cases, yes.

If you experience a covered complication of pregnancy, your travel insurance plan may provide reimbursement for:

Trip cancellation before departure
Trip interruption if you need to return home early
Emergency medical treatment while traveling
Emergency medical evacuation, if medically necessary

Complications are generally defined as conditions that are distinct from normal pregnancy symptoms and require medical treatment.

Be sure to review your policy’s definition of “pregnancy complications,” because coverage may only apply during certain weeks of gestation or under specific conditions.

Is pregnancy a pre-existing condition for travel insurance?

Pregnancy itself is not automatically considered a pre-existing medical condition.

However, a pregnancy may be considered pre-existing if:

You received medical advice, diagnosis, care, or treatment before buying your policy
Complications were present before the policy’s effective date

Many plans offer a pre-existing condition waiver if you:

Buy the policy within a specified time frame (often 10–21 days) after your first trip payment
Insure 100% of your prepaid, nonrefundable trip costs
Are medically able to travel at the time of purchase

Buying early is important if you want this protection.

Does travel insurance cover unexpected pregnancy?

Sometimes.

If you become pregnant after buying your policy, some plans may cover trip cancellation due to an unexpected pregnancy. You’ll typically need documentation from your physician confirming:

The pregnancy occurred after the policy effective date
The condition prevents you from traveling safely

Always review the specific policy language before filing a claim.

Does travel insurance cover cancellation due to pregnancy?

It depends on the reason for cancellation.

Travel insurance may cover cancellation if:

You develop a covered pregnancy complication
Your doctor certifies that a complication prevents you from traveling

Travel insurance typically does not cover cancellation due to:

A normal, healthy pregnancy
Concern about potential complications
Carrier restrictions (for example, airline or cruise line refusal based on gestation limits)

If you want the broadest flexibility, a Cancel for Any Reason policy may reimburse a portion of your trip cost. You must:

Buy the policy within the required time window
Insure your full trip cost
Cancel at least 48 hours before departure

CFAR does not allow cancellation on the day of departure.

Do you have to declare pregnancy on travel insurance?

In most cases, you are not required to declare a normal pregnancy unless:

You have pregnancy-related complications
The insurer specifically asks about pregnancy during the application

However, honesty matters. Failing to disclose relevant medical information could affect your ability to receive reimbursement for a claim.

When in doubt, contact the insurance provider before you buy and clarify any questions about your specific situation.

How much is travel insurance that covers pregnancy?

The cost of pregnancy travel insurance varies based on:

Your age
Trip cost
Destination (especially international travel)
Length of trip
Coverage limits and add-ons

Most comprehensive travel insurance plans cost about 4–10% of your total trip cost.

If you add Cancel for Any Reason coverage, expect the price to increase.

The best way to determine your exact cost is to compare quotes online and review plan details side-by-side.

When should pregnant women buy travel insurance?

As early as possible.

Buying early helps you:

Qualify for pre-existing condition waivers
Lock in cancellation benefits
Protect nonrefundable trip deposits
Access additional optional coverage like CFAR

If you’re in early pregnancy and planning international travel, purchasing coverage soon after your first trip payment is often the best strategy.

What is the best travel insurance for pregnancy?

The “best” travel insurance for pregnancy depends on your situation.

When comparing policies, look for:

Strong emergency medical coverage limits
Coverage for pregnancy complications
Emergency medical evacuation benefits
Trip cancellation and trip interruption benefits
Optional Cancel for Any Reason coverage
Clear policy language regarding gestation limits

If you’re traveling internationally, consider a plan with robust travel medical insurance benefits. Medical care abroad can be expensive, and your domestic health insurance usually doesn’t offer coverage outside the U.S.

Using a comparison site like InsureMyTrip allows you to:

Compare multiple policies in one place
Review coverage details side-by-side
Filter plans based on medical needs
Get a quote instantly
Buy securely online

What happens if you go into labor while traveling?

Normal childbirth is typically excluded from coverage.

If you go into labor during the late stage of pregnancy and it is considered routine childbirth, travel insurance generally does not reimburse those medical costs.

However, emergency care related to complications may be covered, depending on your policy.

What if an airline or cruise line refuses to let me travel?

Each carrier sets its own rules regarding pregnancy and gestation limits.

Travel insurance does not typically reimburse your trip costs if:

The airline or cruise line refuses service due to pregnancy
You arrive at the airport without meeting their pregnancy guidelines

Always confirm carrier policies before departure.

Final thoughts on travel insurance and pregnancy

Traveling while pregnant can be safe and enjoyable with proper planning. The key is understanding how travel insurance and pregnancy intersect before you buy a policy.

Coverage often applies to complications, not routine pregnancy. Buying early, comparing plans carefully, and speaking with your doctor about travel safety can help you make the best decision.

If you’re planning a trip while pregnant, take a few minutes to compare policies, review coverage details, and get a personalized quote.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

2015 Summer Travel Report: Trends & Survey Results

Posted on June 15, 2015March 14, 2025 by bgrossmanlocal

WARWICK, R.I., June 15, 2015 — According to a new survey by travel insurance comparison site InsureMyTrip, more than half of travelers (55 percent) polled will not return to the same destination as last summer. The results were part of the 2015 Summer Travel Guide, a compilation of data-driven insights to help consumers travel smarter in 2015.

This research also highlighted travel planning behaviors and preferences. For example, most will choose to stay in a hotel while on a summer trip and plan to go sightseeing, visit the beach, and spend quality time with family and friends. Top travel concerns include overspending and disruptions of vacation plans due to weather or health issues.

For this particular study, InsureMyTrip conducted a highly targeted survey and restricted the respondent pool to only a group of U.S. travelers who either researched or purchased travel insurance within the past 18 months. Here are the results:

Travelers Prefer to Visit New Destinations

55% will visit a new destination this summer
24% will sometimes visit the same destination
22% do tend to visit the same destination

Most Will Go on a Summer Vacation This Year

An overwhelming eighty-two percent said they were planning a summer vacation. Twelve percent said they had no plans yet. Six percent had no plans.

Out of those polled, 67 percent will get to their destination by air.

Prefer Staying in Hotels

42% will stay in a hotel
25% will go on a cruise
18% will stay in a vacation rental
10% prefer to stay with family or friends
4% will use a timeshare

Sightseeing Tops the List of Summer Travel Activities

50% enjoy sightseeing the most during a summer vacation
23% like going to the beach or relaxing
13% enjoy spending time with family and friends the most
10% other
3% eating at restaurants

Travelers Booking Well in Advance

Most travelers prefer to book vacations in advance with 82 percent booking a trip more than 30 days in advance, 15 percent booking a few weeks prior to departure and three percent preferring spur of the moment trips.

Top Travel Concerns: Money, Health, Weather

The poll reveals that most summer travelers are concerned about overspending, health issues and bad weather affecting travel. Here is the list of concerns in order of popularity:

Overspending
Health issues before or during a trip
Hurricane or bad weather affecting travel plans
Missing a flight
Bad experience with food or accommodations

The survey also asked how much travelers planned to spend on a vacation. Nearly half polled (47 percent) will spend over $1500 on a vacation budget. Thirty-one percent will spend over $5000.

Most Popular International Destinations: UK, France, Italy

More Interest in Travel to Europe

InsureMyTrip teamed up with pricing app Hopper to research travel trends this summer. With the strong U.S. dollar, it is not surprising to find more Americans booking trips to Europe this summer and taking advantage of a bargain.

According to Hopper, the cheapest times to fly to Europe this summer are in the beginning of May and the end of August.

June is the most popular month for European travel
Prices peak at the end of July

Top Travel Insurance Needs for Summer Travel

To gain insight on the travel insurance needs of summer travelers, the research team polled licensed travel insurance agents from InsureMyTrip.

Here are the top reasons why travelers purchase travel insurance for summer travel, listed in order of importance:

Hurricanes or bad weather affecting travel plans
Concerns over coverage for a vacation rental
Health issues affecting travel plans

InsureMyTrip estimates 80 percent of travel insurance consumers purchase a comprehensive policy.

Comprehensive travel insurance provides a variety of benefits including medical coverage, emergency travel services, baggage protection, and trip cancellation and interruption coverage.

Tip: Travelers concerned about hurricanes should purchase travel insurance early. Once a storm starts forming, insurance is no longer available.

Contact:
[email protected]

About InsureMyTrip

SOURCE InsureMyTrip

2015 Hurricane Season Begins, Travel Insurance in Demand

Posted on June 1, 2015March 14, 2025 by bgrossmanlocal

WARWICK, R.I., June 1, 2015 — Travel insurance comparison site InsureMyTrip reports an increase in demand for travel insurance this summer. As the 2015 hurricane season begins, licensed travel insurance agents at InsureMyTrip estimate a 20 percent jump in call volume from travelers seeking insurance protection. Agents say the top concern of summer travelers is bad weather affecting travel plans. Hurricane season officially runs June 1 through November 30.

“Despite early indications by the National Oceanic and Atmospheric Administration of a below-normal 2015 Atlantic hurricane season, the steady rise of inquiries suggest travelers remain cautious when it comes to the potential impact weather may have on travel plans. Travelers understand that Mother Nature is often times unpredictable and buying insurance early — before a storm is named — is a smart way to protect their trip investment,” says InsureMyTrip CEO Jim Grace.

MORE: What if my trip gets interrupted by a storm?

Here are some examples how insurance enables travelers to cancel a trip due to severe weather-related concerns under the trip cancellation benefit:

Cancel trip due to weather: when common carriers such as airlines and cruise lines cease service due to weather.

Cancel due to a hurricane warning: when a destination is under a NOAA-issued hurricane warning.

Cancel because of storm damage at destination: when a hotel, resort, or vacation rental is devastated and made uninhabitable by a storm.

Cancel because home is destroyed by storm: when the home of a traveler sustains destructive storm damage.

Cancel trip for any reason: this is an optional time-sensitive benefit that allows travelers to cancel a trip for any reason.

According to InsureMyTrip, 80 percent of customers will choose a comprehensive travel insurance policy for summer travel. This policy provides a variety of benefits including medical coverage, emergency travel services, baggage protection, trip cancellation and trip interruption coverage.

Tip: Travelers concerned about hurricanes should purchase travel insurance early. Once a storm starts forming, it is considered a foreseeable event and insurance coverage will no longer be available to cover losses related to that storm.

MORE: How can I cancel a trip for any reason?

Travelers interested in learning more about protection plans for travel during hurricane season can visit www.InsureMyTrip.com or call (800) 487-4722 to speak with a licensed travel insurance agent.

Contact:
[email protected]

About InsureMyTrip

SOURCE InsureMyTrip

Calculating Trip Cost for Travel Insurance

Posted on May 28, 2015February 2, 2026 by bgrossmanlocal

Get the Best Travel Insurance Quotes: Accurately Calculate Your Trip Costs

Before you compare travel insurance quotes, there’s one number that matters more than almost anything else: your trip cost. It sounds simple, but many travelers get it wrong, and that can mean paying for the wrong coverage or missing out on important benefits.

Understanding how trip cost really works helps you protect your investment and avoid surprises if plans change.

What is trip cost for travel insurance?

Trip cost for travel insurance is not the total amount you expect to spend on your vacation. Instead, it refers to your insurable trip cost – the prepaid, nonrefundable expenses you would lose if you had to cancel your trip for a covered reason.

Travel insurance is designed to protect the money you’ve already paid and can’t get back, not every dollar you might spend while traveling.

What does “Insurable Trip Cost” mean?

Insurable trip cost includes prepaid and nonrefundable expenses tied to your trip. These are costs that won’t be fully refunded if you cancel before you leave on a trip.

Common examples include:

Airline tickets
Cruise fares
Prepaid hotel stays
Tours and guided excursions
Theme park or event tickets

Some plans may also cover tuition, class fees, or business travel expenses, but typically only through specific providers. That’s why comparing plans through InsureMyTrip can be especially helpful.

What expenses are not included in trip cost?

Expenses that are refundable or paid during your trip usually don’t count toward trip cost.

For example:

Meals paid for after arrival
Souvenirs or shopping
Gas or local transportation paid as you go

If you don’t lose the money when you cancel, it generally shouldn’t be included in your insured trip cost.

How do I calculate my trip cost for travel insurance?

A good rule of thumb: if you would lose the money by canceling your trip, include it.

Even some expenses you haven’t paid yet, but would still owe if you cancel, may be insurable. When in doubt, add up everything that is prepaid, nonrefundable, or contractually owed if your trip doesn’t happen.

Can I insure flights booked with miles or points?

If you booked airfare using frequent flyer miles or credit card points, you cannot insure the value of the miles themselves.

However, you can insure:

Government taxes
Airline fees paid in cash

Airlines and credit card companies typically have their own policies for reinstating points, which is why the miles aren’t considered insurable.

Why does trip cost matter so much?

Your trip cost directly affects:

The price of your travel insurance plan
Your eligibility for certain benefits, such as Cancel for Any Reason (CFAR) coverage

Many plans require you to insure 100% of your prepaid, nonrefundable expenses to qualify for specific benefits. Underinsuring your trip could limit your coverage later.

Can I update my trip cost after buying travel insurance?

Yes. You can add additional prepaid expenses to your policy after purchase as long as you do so before departure.

That said, timing matters. Buying your plan soon after making your first trip payment can help preserve eligibility for time-sensitive benefits. Adding costs later may increase your premium, especially if higher benefit limits apply.

Travel Insurance Plans Overview

Understanding your trip cost is easier when you know what types of coverage are available. Here’s a quick look at what you’ll find on InsureMyTrip:

Trip Cancellation

Helps reimburse prepaid, nonrefundable expenses if you cancel your trip for a covered reason before departure.

Trip Interruption

Provides coverage if your trip is cut short because of a covered event, including reimbursement for unused trip costs and additional transportation home.

Travel Medical

Covers unexpected medical expenses while traveling, especially important for international trips where your health insurance may not apply.

Emergency Medical Evacuation

Helps cover the cost of transportation to the nearest appropriate medical facility or home during a medical emergency.

Final Thoughts: How to Calculate Trip Cost the Right Way

Getting your trip cost right is one of the most important steps when buying travel insurance. Focus on what you’ve prepaid, what’s nonrefundable, and what you’d lose if you had to cancel. When you understand that number, you’re far more likely to get the right coverage and the right quote for your trip.

Comparing plans through InsureMyTrip makes it easy to see how trip cost affects coverage, benefits, and pricing, so you can travel with confidence knowing your investment is protected.

Travel Insurance for Kids: What Parents Need to Know Before You Go

Posted on May 28, 2015February 20, 2026 by bgrossmanlocal

Kids turn every trip into an adventure, sometimes the fun kind, and sometimes the unexpected kind. Kids are prone to accidents and illnesses- everything from scraped knees on cobblestone streets to sudden fevers the night before you take off. Traveling with children can bring surprises that affect your plans and your wallet.

That’s where travel insurance for kids can help. If you’re planning a family vacation, sending minors on a school program, or booking an international trip, understanding your coverage options can give you peace of mind before you leave home.

Do I Need Travel Insurance for My Kids?

Travel insurance isn’t required for most destinations, but it can be a smart purchase when traveling with children.

If your child becomes sick or injured before departure, a comprehensive policy may reimburse your nonrefundable trip costs under covered reasons. If something happens during the trip, coverage may include:

Emergency medical treatment
Trip interruption if you need to return home early
Travel delay expenses
24/7 assistance services

Children are naturally active, and accidents or illnesses can happen quickly. Having kids travel insurance helps protect both your child’s health and your travel investment.

What Does Travel Insurance for Children Cover?

Coverage depends on the specific policy, but many plans available through InsureMyTrip may provide:

Trip Cancellation & Interruption

If your child becomes ill or injured before departure, or during the trip, you may be eligible for reimbursement of prepaid, nonrefundable expenses under covered reasons.

Emergency Medical Coverage

If your child needs emergency care during your trip, travel medical coverage may reimburse doctor visits, hospital stays, or urgent care services. This is especially important for international travel, where your primary health insurance may not offer coverage.

You can learn more about how medical benefits work on our travel medical insurance page.

24/7 Assistance Services

Most companies offer round-the-clock assistance. Representatives can help you:

Locate reputable local doctors or hospitals
Arrange emergency transportation
Rebook flights and accommodations
Access certain concierge services

When traveling with kids, especially under 16 or under 18, having support available anytime can make a stressful situation easier to manage.

Does Travel Insurance Cover Children with Medical Conditions?

It can, depending on the policy and timing of your purchase.

If your child has a pre-existing medical condition, coverage may still be available if:

You buy the policy within the required time frame after your first trip payment
You insure 100% of your prepaid trip cost
Your child is medically able to travel at the time of purchase

Some policies offer a pre-existing condition waiver when these requirements are met. Always review policy details carefully and compare options before you buy.

Does Travel Insurance Cover Sick Kids?

Yes, in many cases.

If your child becomes sick before your trip and cannot travel, trip cancellation benefits may reimburse eligible prepaid expenses. If your child becomes sick during the trip, emergency medical benefits may cover treatment costs.

Coverage typically applies when:

A doctor recommends cancellation
The illness is unforeseen
The claim meets the policy’s covered reasons

Be sure to keep documentation from a licensed physician if you need to file a claim.

Can I Buy Travel Insurance for Children Only?

In many cases, yes.

You can often buy travel insurance for children only, especially if minors are traveling alone, with relatives, or as part of a school group.

However, some plans include children at no additional cost when traveling with an insured parent or immediate family member. Policies vary by company. Some define “immediate family” as parents and grandparents, while others extend coverage to additional relatives.

Comparing policies online allows you to review eligibility rules and choose the best option for your family.

Can I Buy Travel Insurance for Children on a School Trip?

Yes.

If your child is participating in a school trip, exchange program, or organized activity, you can buy travel insurance for children to help protect against:

Trip cancellations
Medical emergencies
Travel delays
Lost or delayed baggage

For international school travel, having travel medical insurance for children is particularly important. Medical care abroad can be expensive, and coverage ensures access to emergency services if needed.

Always check whether the school or program requires specific coverage limits before buying a policy.

How Much Is Travel Insurance for Kids?

The cost of kids travel insurance depends on several factors, including:

Total trip cost
Destination (domestic vs. international)
Trip length
Coverage limits
Ages of travelers

In general, comprehensive travel insurance plans cost approximately 4–10% of your total trip cost.

In some cases, children under 16 or under 18 may be included at no additional cost when traveling with insured parents. This can make family coverage surprisingly affordable.

To find the most accurate pricing, request a quote online and compare plans side-by-side.

What Is the Best Travel Insurance for Children?

The best travel insurance for kids depends on your family’s needs.

When comparing policies, look for:

Strong emergency medical coverage
Trip cancellation and interruption benefits
Coverage for activities your child will participate in
24/7 assistance services
Pre-existing condition waiver options, if needed

If your child is traveling alone or internationally, prioritize robust medical coverage and emergency services support.

Using InsureMyTrip’s comparison tool makes it easy to:

Compare multiple companies
Review coverage details
Filter by benefits and price
Buy securely online

Final Thoughts on Kids Travel Insurance

Traveling with children brings unforgettable memories, and sometimes unpredictable moments. From minor injuries to unexpected illness, having travel insurance for children helps protect your plans and your peace of mind.

Before your next trip, take a few minutes to compare options, review coverage details, and get a personalized quote online. A little preparation now can make a big difference later.

How Much Does Travel Insurance Cost?

Posted on May 28, 2015February 17, 2026 by bgrossmanlocal

How Much is Travel Insurance?

Quick Answer: You can expect to pay 4%–10% of your prepaid, nonrefundable trip cost for travel insurance. So, for a $1,000 trip, that means a policy can cost anywhere from $40–$100, depending on age and coverage choices.

Travel is expensive. Flights, hotels, tours, and meals add up fast. But what surprises most people? Travel insurance usually costs far less than they expect, and one covered emergency can save you thousands.

Here’s exactly what travel insurance costs and what changes the price.

How much does travel insurance cost on average?

Most travelers pay 4%–10% of their prepaid, nonrefundable trip cost.

That percentage stays relatively stable over time because pricing is based primarily on actuarial risk models tied to trip cost and age – not airline ticket prices or seasonal swings.

What counts as “trip cost”?

To calculate your premium correctly, include only prepaid, nonrefundable expenses you want to protect.

Include:

Flights (including award ticket taxes and fees)
Prepaid hotels or vacation rentals
Cruises
Tours and excursions
Event tickets
Nonrefundable deposits
Prepaid rental cars (if nonrefundable)

Usually Exclude:

Fully refundable reservations
Pay-at-arrival hotel bookings
Airline points or miles (but include the taxes/fees paid)
Travel credits or vouchers (unless you would lose them)
Expenses you don’t want insured

Keeping your trip cost accurate (not inflated) helps avoid overpaying.

What Factors Change the Price?

Factor	Typical Impact	Why it Changes Price
Trip Cost	Directly proportional (4%–10%)	Higher insured amount = higher payout risk
Traveler Age	Rates rise with age	Older travelers file more medical claims
Trip Length	Longer trips cost more	More days = more exposure to risk
Destination	Higher-risk countries may cost more	Medical costs and evacuation risks vary
CFAR upgrade	Adds ~40–60%	Expands cancellation flexibility
Adventure sports coverage	Adds ~10–40%	Covers higher-risk activities
Medical evacuation limits	Higher limits increase premium	Air evacuation can exceed $50,000
Number of travelers	Total premium increases	More people = more claim exposure

Key Coverage Definitions

CFAR (Cancel for Any Reason): An optional upgrade that lets you cancel for reasons not listed in the base policy and typically reimburses 50–75% of your insured trip cost.
Pre-Existing Condition Waiver: A time-sensitive benefit that allows coverage of prior medical conditions if you buy within the required window after your first trip payment.
Adventure sports coverage: Optional coverage for higher-risk activities like scuba diving, mountaineering, or skiing.
Medical evacuation coverage: Pays to transport you to the nearest adequate medical facility (or home, if medically necessary). Evacuations can cost tens of thousands of dollars.

Purchase Windows and Deadlines

Timing matters – not for price increases, but for eligibility.

Most carriers require you to buy within:

10–21 days of your first trip payment to qualify for:
- CFAR upgrades
- Pre-existing condition waivers

Exact deadlines vary by carrier, so always check the policy details.

Important: Prices typically do not increase as departure approaches (assuming trip details stay the same). But waiting may cause you to miss time-sensitive benefits.

Age and Pricing: What to Expect

Premiums usually rise as travelers age.

For example:

Travelers in their 30s often fall near the lower end of the 4%–10% range.
Travelers in their 70s may fall closer to the upper end.

This difference reflects higher expected medical claims, not discrimination, but actuarial risk pricing.

International vs. Domestic Trips

International trips often cost more to insure because:

Medical coverage limits are higher
Evacuation risk increases
Healthcare systems vary widely in cost

Domestic policies may cost less, especially if you already have U.S. health insurance coverage.

Families, Groups, and Multi-Traveler Pricing

Pricing depends on how travelers are listed:

Some plans include children at no extra cost.
Multi-traveler policies are often more cost-effective than separate plans.
If travelers return on different dates, pricing may vary by coverage duration.

Each traveler’s age still affects total premium.

Frequently Asked Questions

What factors determine the cost of travel insurance?

Key pricing factors include:

Trip value and nonrefundable costs
Travel dates and trip length
Traveler age
Destination risk factors
Policy type and coverage limits
Add-ons like CFAR or adventure sports coverage
Number of travelers on the policy

How does traveler age affect the cost of travel insurance?

Premiums typically rise with traveler age, especially for senior travelers, because there’s increased likelihood of medical claims.

How does the length of my trip affect the price of travel insurance?

Longer trips generally cost more to insure because they create more time for something to go wrong, including medical incidents or delays.

Does the cost of travel insurance change for international vs. domestic trips?

Yes. International trips often have higher travel insurance prices because they may require stronger medical and evacuation coverage.

Do certain destinations make travel insurance more expensive?

They can. Destinations with higher medical costs, limited medical facilities, or greater travel risks may increase premium rates.

Does Cancel for Any Reason (CFAR) coverage increase the cost of travel insurance?

Yes. CFAR is an upgrade that typically adds 40–60% to the price of a standard comprehensive plan because it expands your cancellation flexibility.

How much more does medical evacuation or adventure coverage add to the price?

Specialty coverage, like medical evacuation, adventure sports, or hazardous activities, can increase your premium anywhere from 10–40%, depending on the policy limits and risk level.

Do pre-existing condition waivers affect travel insurance cost?

The waiver itself usually doesn’t raise the price, but you must purchase early to qualify. Plans may cost more overall because they tend to offer better medical coverage limits.

Is travel insurance cheaper for families or groups?

Often, yes. Many providers offer flat-rate pricing for children or family-friendly policies where younger travelers are covered at no additional cost.

Do senior travelers pay more for travel insurance?

Typically, yes. Policy premiums rise with age due to increased medical risks, especially for comprehensive plans.

Does the number of travelers affect the total cost of insurance?

Yes. More travelers usually means a higher total premium, especially if everyone has different ages or risk profiles. However, multi-traveler plans may be cheaper than buying separate policies.

Does buying travel insurance early affect the price?

Buying early doesn’t usually make a policy more expensive, and it can unlock perks such as CFAR eligibility or pre-existing condition waivers. Prices generally stay stable as long as your trip details don’t change.

Is travel insurance more expensive if I buy it closer to my departure date?

Policies don’t normally increase in price as your departure approaches, but waiting might cause you to miss certain benefits, like coverage for early trip payments or waivers tied to purchase deadlines.

How can I save money on travel insurance?

You can lower costs by:

Comparing multiple providers
Choosing coverage that matches your real needs
Avoiding unnecessary upgrades
Keeping trip value accurate (not inflated)
Checking whether children are covered for free

Is it cheaper to buy travel insurance through a comparison site?

Comparison sites like InsureMyTrip help you compare plans side by side without markups. You can find the best rate by reviewing multiple carriers at once instead of buying directly from a single provider.

Do travel insurance companies offer discounts or bundles?

Some do. Discounts may be available for families, groups, or frequent travelers, while certain plans bundle coverage types for a lower combined price.

Why do travel insurance costs vary so much between providers?

Coverage limits, underwriting guidelines, benefit structures, and risk assumptions differ by company. That’s why comparing quotes is the best way to find the right coverage at the right price.

Does my credit card travel protection reduce the cost of a policy?

It might. If your credit card already includes trip delay, baggage, or emergency benefits, you may be able to buy a more affordable policy that fills only the gaps, especially for medical and evacuation coverage, which credit cards often limit.

Trip Cancellation

Posted on May 26, 2015November 6, 2025 by bgrossmanlocal

Trip Cancellation Insurance: Your Questions Answered

Life happens, plans change, weather turns bad, or someone gets sick right before your big trip. That’s where trip cancellation insurance can save the day. Think of it as your safety net for non-refundable travel expenses when you have to cancel for a covered reason.

Below are the most common questions travelers ask about travel cancellation insurance and what you need to know before you buy.

Does travel insurance cover cancellation?

Yes, most comprehensive travel insurance plans include trip cancellation coverage. If you need to cancel your trip unexpectedly for a covered reason, you can be reimbursed for your pre-paid, non-refundable trip costs.

What is trip cancellation insurance?

Trip cancellation insurance helps protect your financial investment in your trip. It reimburses you for travel costs if you have to cancel before departure for an approved reason listed in your plan’s policy.

What does trip cancellation insurance cover?

Each plan lists its covered reasons – specific events your insurer considers valid for canceling a trip. Common examples include:

Illness
Injury
Death in the family
Natural disasters
Your home becoming uninhabitable

Always review your policy’s list of covered reasons before purchasing.

If you’d prefer flexibility to cancel for almost any reason, you can upgrade to a Cancel for Any Reason (CFAR) benefit, which provides broader protection.

Does travel insurance cover cancellation due to illness?

Yes, if you, a traveling companion, or a family member gets sick or injured before your trip, most plans cover cancellation. To qualify, the illness or injury typically must be serious enough to prevent travel, and you’ll need a doctor’s note.

Does travel insurance cover cancellation due to family death?

Yes, the death of a family member, traveling companion, or business partner is a covered reason under most policies. The definition of “family” varies by plan, so check your policy details to confirm who’s included.

Does travel insurance cover cancellation due to war?

Usually not. War or acts of war are excluded from most travel insurance plans, even if the conflict breaks out after you’ve booked your trip. However, you can find some specialty plans that offer limited coverage for political or security evacuations.

Does travel insurance cover cancellation due to strike?

Some plans may cover cancellation if a strike causes your carrier to stop operating for a certain number of hours or days. Review your plan for exact wording and requirements, as this coverage varies by provider.

Does travel insurance cover cancellation due to pet illness?

Some plans may cover trip cancellation due to a pet’s illness or injury. However, if this is a big concern, you may want to consider flexible cancellation options like Cancel for Any Reason.

Can you buy trip cancellation insurance after booking?

Yes, but don’t wait too long! You can usually buy a trip cancellation plan any time before your departure, but for the best protection, especially if you want pre-existing condition coverage or CFAR, it’s smart to buy right after you book your trip.

Does travel insurance cover cancellation due to weather?

Yes, many comprehensive plans cover cancellations caused by bad weather events like hurricanes or snowstorms, but timing matters. If a storm is already named or predicted, it’s too late to buy a policy to cover it. The event must be unforeseen when you purchase your plan.

If your home or destination becomes uninhabitable before departure, you may also qualify for reimbursement.

What may not be covered by travel insurance?

Travel insurance plans include exclusions – events or situations not covered by your policy, like being detained by customs or illness linked to a pre-existing condition (unless a waiver applies).

Reading your plan details before you buy helps you understand exactly what’s covered and what’s not.

Should I buy trip cancellation insurance?

If you’ve prepaid for flights, hotels, or tours, trip cancellation insurance is often worth it. It offers peace of mind and protection against unexpected cancellations that could cost you thousands. Compare policies to find the best fit for your travel style, budget, and risk tolerance.

How much does travel cancellation insurance cost?

Costs vary based on your trip price, age, destination, and coverage level, but typically, travel cancellation insurance runs about 4% – 10% of your total trip cost. You can get a quote easily online to compare plans side by side.

Compare trip cancellation insurance plans today to find the best protection for your next vacation or international adventure. It only takes a few minutes, and it could save your trip (and your wallet) later.

Trip Interruption Insurance

Posted on May 26, 2015January 8, 2026 by bgrossmanlocal

Trips don’t always go as planned, and sometimes they get cut short for reasons completely outside your control. A family emergency back home, sudden illness, severe weather, or even a missed connection can force you to pack up early. That’s where trip interruption insurance can be your best friend. It helps protect the investment you’ve already made and can cover the extra costs of getting home sooner than expected.

Understanding how this benefit works can help you decide if trip interruption coverage is the right move before your next vacation.

What is trip interruption insurance?

Trip interruption insurance reimburses you for unused, prepaid, nonrefundable trip expenses if you have to cut your trip short for a covered reason. It can also help with additional transportation costs to get home or rejoin your trip. Think of it as protection for the part of your trip you don’t get to use due to an unexpected disruption.

What does trip interruption insurance cover?

Coverage typically includes reimbursement for unused trip expenses and/or extra travel costs to return home early. It applies only when the interruption is caused by a covered event listed in the policy, such as illness, injury, severe weather, or certain emergencies.

Does trip interruption insurance cover weather?

Usually, yes, if severe weather makes travel impossible or unsafe. This can include hurricanes, blizzards, or other natural events that delay or halt transportation. The storm generally needs to directly affect your travel plans, and coverage varies by policy.

Does it cover family emergencies or death in the family?

Most policies cover interruption when a family member unexpectedly becomes seriously ill, injured, or passes away. Policies define “family member” differently, so review your plan for specifics and benefit limits.

Does travel interruption coverage apply to illness or injury?

Yes. If you, a travel companion, or sometimes a family member back home becomes seriously ill or injured, trip interruption benefits may help reimburse unused expenses and additional transportation costs.

Does trip interruption cover job loss or work emergencies?

Some plans cover an involuntary job loss or a required work emergency that forces you to return home early. However, this isn’t universal; many policies exclude work-related interruptions. Always compare plans to confirm whether these protections apply.

What does trip interruption insurance NOT cover?

Policies typically don’t cover interruptions caused by fear of travel, pre-existing conditions unless a waiver applies, change of plans, or situations not listed as covered events. Other exclusions can include high-risk activities, irresponsible behavior, or travel against medical advice.

How does trip disruption insurance work?

If a covered disruption occurs, you submit documentation, like receipts, medical notes, or airline notices, to your insurance provider. The insurer then reviews your claim and may reimburse you for unused expenses, additional transportation, or other eligible costs, up to your policy’s benefit limits.

Does trip interruption coverage apply if I’m already on my trip?

Yes. Trip interruption benefits are specifically designed to apply after your trip has started. If something unexpected occurs mid-trip, this coverage may help you return home early or continue traveling safely.

However, trip interruption would also cover if you had to leave for your trip later than intended due to a covered reason (e.g., a relative passes and you must leave for your trip later than expected).

How does trip interruption differ from trip cancellation coverage?

Trip cancellation covers you before your trip begins, reimbursing prepaid costs if you must cancel entirely. Trip interruption covers you after departure, reimbursing the part of the trip you miss plus extra travel costs to return home.

Is vacation interruption insurance included in credit card travel benefits?

Some credit cards offer trip interruption or trip disruption benefits, but the coverage can be limited. Policies may have lower benefit caps, fewer covered reasons, and stricter exclusions. Compare these benefits to a standalone travel insurance policy to make sure you have sufficient protection.

Is trip interruption insurance worth it?

It can be, especially for trips with significant prepaid, nonrefundable costs, international travel, cruises, or complex itineraries. Trip interruption benefits protect you from losing the value of unused travel days and paying out of pocket for last-minute transportation home.

How do I claim on a trip interruption benefit?

To apply, file a claim with your insurer as soon as possible. You’ll typically need documentation such as receipts, booking confirmations, notices of delay, or medical records. Once reviewed, eligible expenses may be reimbursed according to your plan’s coverage and benefit limits.

Pre-Existing Conditions & Travel Insurance

Posted on May 26, 2015January 28, 2026 by bgrossmanlocal

Travel Insurance for Pre-Existing Conditions

Travelers frequently ask us about pre-existing conditions and for good reason. Many people travel with existing medical conditions, and the right travel insurance can make all the difference if something goes wrong.

The good news? Most comprehensive travel insurance plans do cover pre-existing medical conditions, as long as you qualify for a Pre-Existing Condition Waiver.

Below is a guide to how pre-existing conditions work, how to qualify for coverage, and which travel insurance plans are best known for offering it.

What Is a Pre-Existing Condition?

In travel insurance, a pre-existing condition is any illness, injury, or medical condition that existed before you bought your plan and was documented in your medical records.

That includes:

Diagnosed illnesses
New or changed medications
Medical treatments or tests
Recommendations for future tests or care

Most insurers look at whether your condition was “stable” during a specific look-back period before your plan purchase.

What Does “Stable” Mean?

A condition is considered stable if, during the look-back period, there are:

No new symptoms or diagnoses
No medication changes
No treatments, tests, or pending results

If your condition was stable, and you meet a few timing requirements, you may qualify for full coverage.

What Is a Pre-Existing Condition Waiver?

A Pre-Existing Condition Waiver removes the exclusion that would normally prevent coverage for medical issues related to your health history.

With a waiver:

Emergency medical care related to a stable condition can be covered
Claims are processed faster
There’s no extra cost

Without a waiver, insurers can review your medical history and deny claims linked to past conditions.

What Is a Look-Back Period?

The look-back period is the time (usually 60–180 days) before you buy your plan that insurers review your medical records.

If a condition changed or required treatment during that window, and you don’t have a waiver, it likely won’t be covered.

How to Qualify for a Pre-Existing Condition Waiver

Most travelers qualify automatically if they:

Buy travel insurance early (typically within 10–21 days of the first trip deposit)
Are medically fit to travel on the day they purchase
Insure the full, prepaid cost of the trip
Provide accurate trip details

Important: Waivers are time-sensitive benefits. Miss the purchase window, and they’re gone.

What About Non-Traveling Family Members?

Some plans extend pre-existing condition rules to non-traveling family members if their illness causes you to cancel or interrupt your trip.

Coverage varies by plan and may be based on:

A look-back period or
An unforeseen worsening of a condition

Always check the plan wording carefully.

Documentation for Claims Involving Pre-Existing Medical Conditions

If you file a claim related to a pre-existing condition, having the right paperwork ready can make the process faster and smoother. Below are the most common claim types and what insurers typically require.

Emergency Medical Care

You need medical treatment while traveling.

Completed claim form
Proof of trip (itinerary or receipts)
Note from the attending physician during your trip
Relevant medical records
Itemized medical bills

Trip Interruption

A medical emergency forces you to cut your trip short and return home.

Completed claim form
Proof of trip
Physician’s note from the treating doctor during the trip
Relevant medical records
Itemized medical bills

Trip Cancellation (Traveler)

A medical emergency prevents you from starting your trip.

Completed claim form
Proof of trip
Doctor’s note confirming inability to travel
Relevant medical records
Medical bills, if applicable

Trip Cancellation (Non-Traveling Family Member)

A serious illness or death of a non-traveling family member forces you to cancel.

Completed claim form
Proof of scheduled trip
Death certificate or medical documentation

Pro Tip: If you need medical care while traveling, contact your travel insurance company as soon as possible. They can guide you through next steps and explain documentation needs. In many cases, travelers pay out of pocket first and are reimbursed later.

Frequently Asked Questions

Is age a pre-existing condition?

No. Age can affect price or coverage limits, but it is not a medical condition.

Is pregnancy a pre-existing condition?

No, but pregnancy is considered foreseen. Routine pregnancy isn’t covered, though complications may be.

Is travel insurance still worth it if I have a pre-existing condition?

Absolutely, especially if you qualify for a waiver.

Final Takeaway

If you have a pre-existing medical condition, travel insurance can still protect you, but timing matters. Buy early, insure the full trip cost, and choose a plan with a Pre-Existing Condition Waiver.

If you’re unsure which plan is right, our licensed travel insurance agents are happy to help.