travel

4 reasons to get travel insurance

airplanes on runway

One thing we know for certain these days: Life can change quickly and not always in the way we would like. If you’re considering traveling for business or pleasure, travel insurance can help give you peace of mind in case not everything goes as expected.

If you’re not sure you need travel insurance, consider these reasons others have found it valuable:

1. You won’t lose the entire cost of the trip if you cancel.

No matter how well we plan in advance, sometimes we need to suddenly cancel a trip. Airlines, cruises lines, or hotels may offer minimal or no refund for abrupt cancellations. Having travel insurance can provide you with an extra layer of protection, should you need to change your plans for a covered reason.

2. Medical emergencies during a trip, especially overseas, can be costly.

Unfortunately, just because you are on vacation, doesn’t mean you are immune to accidents or illness. And, to make things worse, your health insurance might not cover any of your expenses if you’re in a foreign country. But travel insurance with emergency medical benefits can help pay for expenses due to covered medical and dental emergencies that occur during your trip – and may even help you coordinate your trip home so you can get treated by your own doctor.

3. You won’t have to pay for costs due to travel interruptions or delays.

Frequent travelers know that it is very common for flights to run behind schedule, which can cause significant delays in your trip. But with travel insurance, you’ll be reimbursed if you need accommodations, meals, or lose prepaid costs due to a covered delay departure.

4. Delayed or lost baggage can be a real inconvenience.

If your luggage gets lost temporarily or permanently when you are traveling, travel insurance will reimburse you for essential items that you need so your day-to-day can go on like nothing ever happened.

For additional guidance on finding the right travel insurance, please contact your insurance broker or travel advisor.

Insights and expertise

We help you stay ahead and informed with these helpful tips and tricks for protecting your home, car, and more.
What Does Annual Travel Insurance Cover?
Understand multi-trip travel insurance inclusions, common exclusions, and how annual plans compare with single-trip cover for cost and convenience.
When Should You Buy Annual Travel Insurance?
Learn when annual travel insurance should start, when you can buy it, and how Chubb Travel 365 may help frequent travelers manage multiple trip risks.
When Does it Make Sense to Buy Annual Travel Insurance?
See the annual travel insurance pros and cons for frequent travelers. Learn when annual coverage offers better value than single-trip plans.
What is Annual Travel Insurance?
Annual travel insurance explained: see how multi-trip travel insurance works, what it may cover, and when it can make more sense than single-trip plans.
How Does Annual Travel Insurance Work?
Annual and multi-trip travel insurance explained: see how coverage starts, what trip limits apply, and when a yearly plan makes more sense than a single trip policy.
Is Annual Travel Insurance Worth It? A Complete Guide to Multi-Trip Plans
Is annual travel insurance worth it? Compare cost, coverage, and convenience of multi-trip travel insurance to find the right fit.
woman walking with luggage
How to insure your jewelry before you travel
You may not leave home with jewelry that is as elaborate or expensive as Elizabeth Taylor’s or Kim Kardashian’s. However, you can use their situations to understand why the right insurance needs to be in place when you travel.
luxury jewelry and watches
Traveling with Luxury Jewelry and Watches: How to Protect your Valuable Items
Learn how to travel safely with luxury jewelry & watches. Protect your valuables from theft, loss and damage with expert tips & insurance advice.

Get a personal insurance quote

Work with an independent agent to get personalized insurance solutions.