As a travel writer, travel agent, and travel lover (with social feeds full of travel content), a topic that comes up pretty frequently is travel insurance. There are so many questions about necessity, cost-effectiveness, coverage, reliability, and more.  

I bought a yearly travel insurance plan from Allianz for myself and 3 other family members in July. I have not had to use it yet, but we almost had to file a claim on Monday.

My 18-year-old son was traveling with a connection at DFW. His first flight kept getting delayed, and we were very worried he wouldn’t make his connection. The airline claimed they’d hold the plane, but I wasn’t convinced. He was traveling alone, and the idea of him getting stuck overnight was harder to digest than a late‑night order of fully loaded nachos.

But knowing we had the insurance, if needed, to cover expenses until he could get the next leg of his flight the next day made me feel a little better, like a Pepcid after a big plate of nachos. (hungry yet?)

He made the connection, barely. That mishap, in the grand scheme, really wouldn’t have been so horrible, but it reminded me why I always encourage people to protect their trips.

Travel can be as unpredictable as a plate of nachos — sometimes it hits the spot, and other times it has you rethinking your choice for days.

What Travelers Are Saying About Insurance

I’m in several travel communities and professional groups, and people often share about their experiences. Here are some of the recurring themes.

Annual plans can be a smart choice

Many travelers say annual plans save money if you take more than two trips a year. One person mentioned that the Allianz annual plan covered their whole household and cost less than buying two separate policies. Another said the coverage was solid and filled the gaps left by their credit card.

Customer service matters

Quite a few people commented about the level of customer service they got from their travel insurance companies. For example, Allianz paid out a full trip with the representative walking them through every step. Another person said they had a kid in the ICU and missed a bucket list trip. Their insurance paid quickly and made a hard situation a little easier.

Medical coverage is a big deal

People often forget that regular health insurance doesn’t always work outside the country. Someone gave an example of breaking an ankle in South America, and the insurance company arranged everything from private drivers to a business class flight home. All logistics were handled. They estimated the insurance company spent more than $10,000 on their care, and the traveler only paid $300 for the policy.

Pre‑existing conditions can be covered

For people with chronic or terminal illnesses, there are a lot of questions concerning pre-existing conditions. Allianz, Faye, and GeoBlue all offer options under certain criteria. In a traveling parents group, several people have used Allianz for their reliable pre‑existing condition coverage.

Supplier insurance is usually limited

People often assume the insurance offered by an airline or hotel is enough. Most people say it rarely is. Airline insurance often covers airfare only. It usually does not include medical coverage, trip interruption, or reimbursement for lost hotel nights.

Trip delays and interruptions are quite common

Someone shared a story of being stuck for two days after a tropical storm shut down the airport in a Central American country. Their insurance company sent them $200 immediately for interruption coverage and then helped with the rest once they submitted paperwork.

Another traveler said a flight cancellation made them miss two nights at a resort in Mexico. The resort would not refund them. The airline gave them a small credit. But their travel insurance reimbursed the lost nights.

FAQs On Travel Insurance

What does travel insurance actually cover?

Coverage usually includes trip cancellation, interruption, medical emergencies, medical evacuation, baggage issues, and travel delays. Some plans also include concierge or assistance services to help find medical care, rebook flights, or navigate emergencies. Coverage varies, so read the full policy before you buy.

Do I need travel insurance for domestic trips?

Many people assume travel insurance is only for international travel, but domestic trips can be expensive too. If you have non-refundable hotels, tours, or vacation rentals, or you are traveling during a season with frequent delays, insurance can help. It can reimburse you for lost nights, extra meals, or hotel stays if your flight is delayed or canceled.

Is the insurance offered by airlines enough?

Airline insurance often covers just airfare. It hardly ever includes medical coverage, trip interruption, or reimbursement for lost hotel nights. Third-party plans usually offer stronger protection for the entire trip.

What is Cancel For Any Reason coverage?

Cancel For Any Reason (CFAR) lets you cancel your trip for reasons not listed in the policy, such as schedule changes and personal conflicts. CFAR usually reimburses part of your trip cost, often 50 to 75 percent. You must purchase it within a specific window from your first payment, and it isn’t available in every state.

Are pre-existing medical conditions covered?

Many plans cover pre-existing conditions if you meet certain requirements. Most companies require you to buy the policy within a set number of days of your first trip payment. Allianz, for example, often uses a fourteen-day window. A pre-existing condition is usually defined as any illness or symptom treated within the past 120 days. Families in my groups who travel with chronic or terminal illnesses often say that this coverage gives them peace of mind. Annual plans sometimes exclude pre-existing conditions, even if the insurance company’s single-trip plans include them. Always check the specific plan details. Note: My specific Annual Premier Plan does not cover pre-existing medical conditions.

What is the difference between single trip and annual coverage?

Coverage limits can differ between single trip and annual plans, so it helps to compare them side by side. Annual plans can be a smart choice if you travel more than twice a year. Annual plans often have lower cancellation limits than single‑trip plans, which is why some choose single‑trip coverage for expensive vacations.

Does travel insurance cover missed connections?

For missed connections, most plans require a minimum delay, usually around six hours. Coverage can include meals, hotels, transportation, prepaid nights at the destination, and rebooking fees.

If a cancellation causes the missed connection, coverage depends on whether the cancellation meets one of the policy’s covered reasons, such as severe weather or a natural disaster. Check your plan’s list of covered reasons, so you know what qualifies.

Does travel insurance cover baggage delays?

Most plans have a minimum delay before baggage benefits apply. Our annual plan requires a twelve-hour delay. This can help with essentials while waiting for your bags to arrive.

Does travel insurance cover weather-related cancellations?

Yes, when the weather event is unexpected and causes your airline or destination to shut down. If a storm is already named or predicted, you usually cannot buy coverage for it. People in my groups mentioned storms, hurricanes, and winter weather as common reasons for claims.

Does travel insurance cover chronic or terminal illnesses?

Yes, when the traveler is medically cleared to travel, and the plan includes a pre-existing condition waiver. This is important for families traveling with loved ones who have ongoing medical needs. Several parents in my groups say Allianz has been reliable for this type of coverage.

What does medical evacuation mean?

Medical evacuation covers transportation to the nearest adequate medical facility or back home if you are seriously injured or ill. Evacuation can be extremely expensive, especially in remote areas. One traveler in a group of mine broke an ankle in South America and said the insurance company arranged everything. Private drivers. Business-class flights home. All logistics handled.

Does travel insurance cover non-refundable hotels and t urs?

Yes, when the cancellation reason is covered. If your flight is delayed and you lose prepaid nights, travel insurance can reimburse you. This happened to someone headed to Mexico who lost two nights at a resort. The resort would not refund them. The airline gave them a small credit. Their travel insurance covered the rest.

What documents do I need to file a claim?

Most claims require receipts, proof of payment, airline notices, and medical records. Some cases need a doctor’s note or photos of test results.

How do I choose the right plan?

Start by thinking about what matters most for your trip/s. For international travel, medical coverage is important. If you have non-refundable hotels or tours, trip cancellation and interruption matter. Tools like InsureMyTrip and Squaremouth can help you compare plans. A travel advisor can also walk you through the options and help you choose a plan that fits your needs.

Is travel insurance worth it?

If you are booking anything non-refundable or traveling internationally, most travelers say yes. Some plans also include epidemic or pandemic coverage, which became important in recent years. Our annual plan includes this automatically.

The stories people share in my groups show how often travel insurance steps in when something goes wrong.

It is one of those things you hope you never need, but when you do, it can make a stressful situation easier to handle.

Still Have Questions? Need Help?

Travel insurance is one of those things you hope you never need. But when you do, it can save your trip, your budget, and your peace of mind.

I help clients choose plans, and it doesn’t cost you extra to use my help. In many cases, I can find better pricing or coverage than you might find on your own because of my travel advisor connections.

If you want help choosing a plan for your next trip, I’m here. You tell me where you are going and what matters most to you, and I’ll walk you through the options in a less confusing way.