Travel Insurance

Most U.S. health plans stop at the border

Your domestic health insurance — including Original Medicare — typically provides little to no coverage outside the United States. A medical emergency abroad can quickly run into tens of thousands of dollars, and an emergency air evacuation can exceed $100,000. Travel insurance bridges that gap for a small fraction of the cost of a single trip.

What we help with

• Trip cancellation & interruption — reimburses prepaid, non-refundable costs when a covered event derails your trip
• Emergency medical & dental — coverage abroad where your domestic plan doesn't apply
• Medical evacuation & repatriation — the most expensive scenario, and the one travelers most often skip
• Baggage & personal effects — coverage for lost, stolen, or delayed luggage
• Rental car damage waiver — a far cheaper alternative to the rental counter's coverage
• Cancel For Any Reason (CFAR) — partial reimbursement for non-covered cancellations
• Annual multi-trip plans — for frequent travelers, cheaper than buying per-trip

When to buy

The window for the strongest coverage — including pre-existing condition waivers — is usually within 14–21 days of your initial trip deposit. Cancel For Any Reason add-ons have a similar early-purchase requirement. We help you lock in coverage at the right moment, not after the fact.

What it costs

A comprehensive single-trip policy typically runs 4–10% of your total trip cost. Medical-only and annual multi-trip plans cost less. We compare plans across the major carriers and explain what each one actually pays out — not just what the brochure claims.