| Coverage Type | What It Covers | Rough Cost |
|---|---|---|
| Trip cancellation | Prepaid, non-refundable trip costs for covered reasons | 4-10% of trip cost |
| CFAR upgrade | Cancellation for ANY reason (50-75% refund) | Adds ~40-50% to premium |
| Emergency medical | Treatment abroad, where US health plans fail | Often bundled, check limits |
| Evacuation | Medical transport to adequate care | Can cost $100k+ uncovered |
| Baggage & delay | Lost bags and delay expenses | Usually modest sub-limits |
Standard trip cancellation coverage sounds more comprehensive than it actually is. It doesn't cover "any reason you might need to cancel" — it covers a specific, enumerated list of reasons the insurer has agreed to pay out for: your own illness, a family member's death, jury duty, a handful of similarly serious, verifiable events.…
Read MoreMost U.S. health insurance plans quietly stop working the moment you leave the country — a detail plenty of travelers only discover after they're already standing in a foreign hospital, being asked how they intend to pay. Travel insurance exists to cover exactly that gap, along with a handful of other trip-specific risks that…
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