What is Travel Insurance?
Travel insurance can help protect you and your travel companions from the financial impact of unexpected events before or during your trip. Benefits, coverage limits, and reimbursement amounts vary by policy, so it’s important to review the details of your chosen plan.
Who Needs Travel Insurance?
Your trip is an investment. Consider protecting it.
As you plan your travels, think about the unexpected costs you could face—from losing nonrefundable payments to needing medical care abroad. Travel insurance may be especially valuable when your regular health insurance offers limited coverage at your destination, your itinerary includes remote areas, or your trip could be affected by severe weather or natural disasters.
Depending on your policy, it can help with eligible expenses for covered cancellations, medical emergencies, or emergency evacuations.
Why it matters
Why consider Travel Insurance
Your trip is an investment — of money, time, and all the anticipation that comes with it. Even the most carefully planned journey can be touched by the unexpected: a sudden illness, a cancelled flight, a delay, or an emergency far from home. The right travel insurance can help with eligible expenses so a surprise doesn’t have to unravel everything you’ve looked forward to.
Trip Cancellation & Interruption
Reimbursement for prepaid, nonrefundable costs when you cancel or cut a trip short for a covered reason.
Emergency Medical Expenses
Help with eligible medical costs if you become ill or injured while traveling.
Emergency Medical Evacuation
Assistance getting you to appropriate care — or safely home — in a covered medical emergency.
Travel Delays
Support for certain added expenses when a covered delay interrupts your journey.
Baggage Protection
Coverage for lost, damaged, or delayed baggage, subject to the plan’s terms and limits.
Travel Assistance Services
24/7 help lines and concierge-style support — a service, not insurance coverage (see note below).
Recommendations
Featured Companies
Arch RoamRight
The travel insurance brand of Arch Insurance Company — so when you buy a plan, you’re dealing directly with an established insurer rather than a reseller. Plans cover domestic and international trips.
- Backed by an established insurer. Coverage is underwritten by Arch Insurance Company and supported by the financial strength of Arch Capital Group (rated A+ “Superior” by AM Best), with underwriting, service, and claims handled in-house by one U.S.-based team.
- “Hospital of Choice” medical evacuation. On its plans, a covered emergency evacuation can take you to the hospital you choose rather than only the nearest suitable facility — a meaningful say in your own care.
- Single-trip or annual coverage. If you travel often, Arch RoamRight offers annual / multi-trip plans alongside single-trip plans, plus tools that let an advisor quote and manage your policy.
Faye
A newer, technology-first provider built around a single app that takes you from quote to claim. You can get covered in about a minute and manage everything from your phone.
- App-first from quote to claim. Buy a plan, make changes, file claims, and chat with 24/7 support entirely within the Faye app, which was named a TIME Best Invention of 2025.
- Faye Wallet payouts. Approved claim funds can land in a digital Faye Wallet you add to Apple Pay or Google Pay and spend right away — even while you’re still on your trip.
- Proactive trip tools. Real-time flight tracking with lock-screen alerts, complimentary airport-lounge access on longer delays, plus extras like an eSIM, 24/7 telemedicine, and secure document storage in the app.
Travel Insured International
A long-established provider (part of Crum & Forster) that has protected travelers since 1994. Its plans are built to be customized — you start with a tier and layer on the extras that fit your trip.
- Built for customization. Choose from three plan tiers (Essential, Deluxe, Platinum), then add optional bundles — Pet, Cruise, Hotel & Theme Park, Flight, Baggage, and an Extreme Sports upgrade — to tailor coverage closely to your trip.
- Cancel and Interrupt For Any Reason. Its Deluxe and Platinum plans let you add both CFAR and the less-common Interrupt For Any Reason (IFAR) benefit, so you can be reimbursed for a portion of your insured trip cost if you cancel — or head home early — for reasons a plan wouldn’t otherwise cover.
- Long track record and high limits. More than 30 years in business and strong financial backing, with higher medical and evacuation limits available on its upper tiers.
Legal Disclaimer: Travel With The Taylors is not an insurance agent or underwriter. Travel With The Taylors may provide general information, but does not provide insurance advice, make coverage recommendations, answer technical questions about coverage, make coverage determinations, or issue insurance policies. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. Please refer to the actual insurance policy and other relevant documents from the insurance provider.
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