While summer may be the most popular travel season, many choose to get away in the winter. Maybe it’s to enjoy a warmer climate. Maybe to visit friends and family and recharge after the holidays. Whatever the reason, travel insurance can be an important asset to many individuals. It can help protect you in the event of an emergency, save you money on medical bills, and provide peace of mind when you’re away from home. If you’re considering getting travel insurance, here are some things to know that will help you make the best decision for your next trip.


Types of Coverage

Travel insurance can cover a lot of different things, depending on the policy you choose. Generally speaking, there are three main types of coverage available: medical coverage, trip cancellation/interruption coverage, and baggage protection. Medical coverage covers medical expenses due to injury or illness while traveling and can be particularly helpful if you’re traveling to a country with high healthcare costs. Trip cancellation/interruption coverage reimburses lost deposits and non-refundable tickets due to unexpected events such as natural disasters or travel delays. And finally, baggage protection helps cover lost or damaged baggage due to theft or an airline mishap.


When to Purchase Insurance

Many people purchase travel insurance shortly after booking their trip. This is a good idea if you need to cancel your trip due to an unexpected event or if something happens during your travels that requires medical attention. However, some people wait until just before their departure date in order to get the most up-to-date information on their destination and potential hazards they may encounter while traveling. The best time to buy travel insurance will depend on each individual situation; it’s essential to research the options before making a decision so that you can be sure that you’re covered in case of an emergency.


Pre-Existing Conditions

Plans usually exclude pre-existing conditions unless they are specifically covered in the policy details. Be sure to check before purchasing travel insurance, as this could be critical in deciding which policy is right for you and what kind of coverage it provides in the event of a medical emergency while traveling abroad.



No matter where your travels take you, having travel insurance is always beneficial—it can provide financial protection and peace of mind should something unexpected happen along the way! Before making your purchase, consider the type of coverage needed for your particular situation, as well as any pre-existing conditions that may need special consideration when selecting a policy that fits your needs best. Once everything is squared away, all that’s left is for you to start planning out all those exciting adventures!

Are you getting ready to take a trip? Healy Group advisors can help make sure you’re covered where it counts! Let’s Connect.


About the Author

John Kersey joined Healy Group in 2003 and has over 30 years of experience designing risk management programs for commercial clients. As a risk management advisor, John strives to build strong relationships with his clients and business partners to understand their needs better and provide the best risk management strategies for their unique situations.