Travel Insurance 101 

Protect Your Trip, Your Wallet, and Your Peace of Mind 

No one likes to imagine their dream vacation taking an unexpected turn, but sometimes, life happens. Flights get delayed, luggage goes missing, or illness strikes at the worst possible moment. That’s where travel insurance steps in. 
At Tripstagram Travel Co., we believe that a well-planned trip isn’t complete without the right protection. Here’s what you need to know before you travel. 
 

What Is Travel Insurance?

Travel insurance is a safety net for your trip. It helps protect your financial investment and well-being when unexpected events occur before or during your travels. From trip cancellations to medical emergencies abroad, travel insurance gives you peace of mind knowing you’re covered. 
 

Why It Matters 

Think of it this way: if you wouldn’t buy a car without insurance, why risk traveling without it? 
Even a small mishap can lead to major expenses, especially overseas. Travel insurance can reimburse you for nonrefundable costs and unexpected expenses when life throws a curveball. 

Common covered events include: 

• Trip cancellations or interruptions (due to illness, family emergencies, or weather) 
• Lost or delayed luggage 
• Medical emergencies abroad 
• Flight delays or missed connections 
• Emergency evacuation or repatriation 
• Travel supplier bankruptcy or closures 
   

Types of Travel Insurance Coverage 

Type: Trip Cancellation/Interruption  
What It Covers: Reimburses you if you need to cancel or cut your trip short for covered reasons (like illness, injury, or severe weather).  

Type: Travel Medical Insurance  
What It Covers: Covers medical expenses if you get sick or injured while traveling, which is especially important outside your home country. Some even cover forgotten medication and help you locate a pharmacy so that you can purchase your prescription while traveling. 

Type: Emergency Evacuation
What It Covers: Covers transportation costs if you need to be airlifted or transferred to a hospital due to serious illness or injury. 

Type: Baggage Loss/Delay
What It Covers: Reimburses you for lost, stolen, or delayed luggage and personal belongings. 

Type: Travel Delay 
What It Covers: Provides reimbursement for meals, lodging, and transportation during extended delays. 

Type: Cancel for Any Reason (CFAR)  
What It Covers: An optional upgrade allowing you to cancel for any reason not typically covered (ideal for flexibility). 
 

When Should You Buy It? 

It’s best to purchase travel insurance when you book your trip and make your first payment—whether that’s a deposit or full payment for a cruise, flight, or resort stay. Buying early ensures the most coverage, including pre-existing condition waivers for eligible plans. 
 

How Much Does It Cost? 

Travel insurance usually costs 4–10% of your total trip price, depending on: 

• Trip cost 
• Destination 
• Traveler age 
• Coverage type and length 

It’s a small price for the peace of mind it brings—especially compared to losing thousands in nonrefundable trip costs. 
 

Why Book Through Tripstagram Travel Co.? 

As your Tripstagram Certified Advisor, I’ll help you: 

• Compare plans and coverage levels. 
• Understand what’s included (and what’s not). 
• Select a reputable insurance provider. 
• Ensure your plan meets your travel needs and destination requirements. 

You’ll never have to guess what’s covered—we’ll walk through it together, so you travel protected and worry-free. 
 

Travel Smart, Travel Protected 

Travel insurance isn’t just for “what ifs”—it is for peace of mind, protection, and the confidence to enjoy your journey fully. 
Because every trip should be remembered for the adventure, not the unexpected. 

Schedule a consultation to review your coverage options before you book.