You have planned the perfect trip. Flights booked, resort confirmed, excursions reserved. Then a family emergency, an illness, or an airline strike threatens everything you have invested. Travel insurance exists for exactly these moments — yet many travelers either skip it entirely or buy a policy that does not actually cover their situation.
What Travel Insurance Typically Covers
Most comprehensive plans include trip cancellation and interruption (if you or a family member becomes ill, for example), emergency medical coverage abroad, evacuation, baggage delay, and missed connections. The specifics vary significantly by plan and provider.
At Hermes Travel, we partner with AIG Travel Guard, Travelex, Allianz, and Travel Insured International. We help clients compare plans based on their destination, health considerations, and total trip cost.
When to Purchase
Buy insurance soon after your initial trip deposit. Many benefits — especially pre-existing condition waivers — are only available within a short window of that first payment. Waiting until the week before departure limits your options.
What to Look For
Match coverage to your trip. International travel generally requires stronger medical coverage than a domestic weekend. Cruise passengers should confirm itinerary-specific protections. Adventure travelers need to verify activities like scuba diving or hiking are not excluded.
Read the exclusions. Cancel-for-any-reason upgrades cost more but provide flexibility that standard policies do not. For expensive or complex trips, that upgrade is often worth discussing.
We Are Here to Help
Insurance is not the most exciting part of travel planning — but it is one of the most important. We integrate it into your booking so you understand what you are protected against before you go, not after something goes wrong.
Questions about coverage for an upcoming trip? Visit our Travel Insurance page or contact us directly. We will walk you through the options.