Travel Insurance 101:
What It Covers & Why You Need It
Why Travel Insurance Matters
Planning a trip is exciting—but life is unpredictable. Travel insurance gives you peace of mind when things don’t go as planned. From flight cancellations and lost luggage to medical emergencies overseas, travel insurance is a smart safeguard for any traveler. Whether you’re going on a weekend getaway or a month-long international adventure, this guide will help you understand what to look for and how to protect your travel investment.
What Does Travel Insurance Cover?
Coverage can vary by policy, but most travel insurance plans include a mix of the following:
Trip Cancellation or Interruption
Reimbursement if you cancel due to illness, injury, jury duty, or other covered reasons.Emergency Medical Coverage
Pays for medical treatment if you get sick or injured while traveling—especially crucial if you’re abroad.Emergency Medical Evacuation
Covers transport to a medical facility or back home if you’re seriously ill or injured.Lost, Stolen, or Delayed Baggage
Compensation for personal items and clothing if your luggage goes missing or arrives late.Trip Delay Coverage
Reimbursement for food, lodging, or transportation if your flight is delayed for a covered reason.24/7 Travel Assistance Services
Access to hotlines for help with translation, lost passports, medical referrals, and more.
Do You Really Need Travel Insurance?
While not every trip requires insurance, here are times when it’s especially smart:
How to Choose the Right Travel Insurance
1. Compare Plans – Look at what’s covered, not just the price. Use a reputable aggregator or broker.
2. Know Your Risks – Going skiing? Scuba diving? Look for coverage that includes adventure sports.
3. Understand the Fine Print – Pay attention to exclusions and limits (e.g., pre-existing conditions).
4. Consider Cancel for Any Reason (CFAR) – An upgrade that allows for more flexibility (often at a higher cost).
5. Buy Soon After Booking – Some policies offer extra benefits (like CFAR or coverage for pre-existing conditions) only if purchased within 14–21 days of your first trip deposit.
Archer Travel Can Help You Protect Your Trip
As part of our concierge-level service, Archer Travel Service can connect you with trusted travel insurance providers and help you choose the right plan for your trip type, budget, and risk level. We’re here to make sure your travel experience is not only fun—but also secure.
