Travel Insurance 101: What You Really Need to Know Before You Go

When you’re planning your dream vacation, it’s easy to focus on the fun parts — where you’ll stay, what you’ll see, and how many breathtaking photos you’ll take. But one of the most important travel essentials often gets overlooked: travel insurance.

Whether you’re jetting off to Europe, cruising the Caribbean, or embarking on an Alaskan adventure, travel insurance is your safety net — protecting your investment and your peace of mind. At Travel With McNellis, we believe that understanding your coverage is just as important as booking the perfect trip. Here’s what every traveler should know before packing their bags.

Why Travel Insurance Matters

Even the most carefully planned trips can run into surprises. Flight delays, medical emergencies, lost luggage — the unexpected happens more often than you’d think. Travel insurance ensures you’re covered when things don’t go according to plan.

It’s not just about the big emergencies either. Smaller disruptions like missed connections, trip interruptions, or even delayed baggage can quickly add up in cost and frustration. With comprehensive coverage, you can travel with confidence knowing you’re protected from start to finish.

Types of Travel Insurance Coverage

Understanding what’s included in your policy is key. Here are the most common types of coverage:

1. Trip Cancellation and Interruption: If illness, weather, or unforeseen events force you to cancel or cut your trip short, this coverage can reimburse nonrefundable costs like flights, hotels, and tours.

2. Medical Coverage: Many health insurance plans offer limited or no coverage abroad. Travel medical insurance covers hospital stays, doctor visits, and emergency transport — giving you peace of mind wherever you are.

3. Emergency Evacuation: In the rare event of a medical emergency or natural disaster, evacuation coverage helps cover the cost of safe transport to a medical facility or your home country.

4. Baggage and Personal Belongings: Lost, stolen, or delayed luggage can be a nightmare. Baggage coverage helps replace essential items and reimburses you for lost valuables.

5. Travel Delay Coverage: If your flight is delayed for hours or even overnight, this coverage can help pay for meals, transportation, and accommodations during the wait.

6. “Cancel for Any Reason” (CFAR)For maximum flexibility, CFAR coverage allows you to cancel your trip for reasons not covered under standard policies — ideal for uncertain times or changing plans.

Common Myths About Travel Insurance

Myth 1: “I don’t need it for short trips.”Even weekend getaways can go off course. A simple flight delay or lost bag can still cause stress and expense.

Myth 2: “My credit card already covers me.”Some credit cards offer limited protection, but it’s often not comprehensive — and may not include medical or cancellation coverage.

Myth 3: “It’s too expensive.” In reality, travel insurance usually costs between 4–10% of your total trip price — a small price for the protection it provides.

How to Choose the Right Policy

Not all travel insurance policies are created equal. When comparing options, consider:

• Your destination: Some countries require proof of coverage for entry.

• Your activities: Adventure sports or cruises may require specialized coverage.

• Your health: Ensure pre-existing conditions are covered when applicable.

• Your travel investment: The more your trip costs, the more coverage you’ll need.

At McNellis Travel, we help clients navigate these options — explaining policy details in plain language and matching coverage to your travel style. We partner with trusted providers to ensure you’re protected every step of the way.

When to Buy Travel Insurance

The best time to purchase insurance is right after booking your trip. Doing so ensures you’re covered immediately for any unforeseen events that might prevent you from traveling — like illness or job changes. Waiting too long can limit your options or exclude certain benefits.

Peace of Mind Starts Here

Travel insurance isn’t just paperwork — it’s protection for your time, money, and memories. When you work with Travel With McNellis, you’re not just booking a trip; you’re partnering with a team that prioritizes your safety and satisfaction.

Let us take the stress out of the fine print so you can focus on what really matters: enjoying your journey with confidence.

✈️ Ready to plan smarter travel for 2026? Contact McNellis Travel today to learn how we can help you find the right insurance coverage and plan a trip that’s unforgettable — and worry-free.