Personal Lines Coverage

Travel Insurance

Trip cancellation, emergency medical, and travel disruption coverage — so you can travel with confidence wherever you go.

Get a free quote Call (305) 791-4872

Coverage overview

Travel insurance protects your investment in a trip and covers unexpected events that can turn a vacation or business trip into a financial disaster. From medical emergencies abroad to last-minute cancellations, the right travel policy gives you peace of mind and real financial protection. Miami's international community makes travel insurance especially relevant for frequent travelers.

What we can include

Trip cancellation & interruption
Emergency medical coverage
Medical evacuation
Baggage loss and delay
Travel delay reimbursement
Cancel for any reason (CFAR)
Pre-existing condition waivers
Annual multi-trip plans

Who needs it

Who needs travel insurance?

International Travelers

U.S. health insurance typically doesn't cover medical care abroad. Travel insurance fills this critical gap.

Cruise Passengers

Cruises involve significant upfront costs and unique risks — medical care at sea, missed ports, and itinerary changes.

Frequent Business Travelers

Annual multi-trip plans provide cost-effective coverage for professionals who travel regularly for work.

Families Traveling Together

Group travel policies cover the whole family and protect the significant investment in a family vacation.

Seniors & Travelers with Health Conditions

Older travelers and those with pre-existing conditions face higher medical risks abroad — travel insurance is essential.

Adventure Travelers

Hiking, diving, skiing, and other adventure activities may require specialized coverage beyond standard travel policies.

Questions

Frequently asked questions

Don't see yours? Call or text us and we'll answer it.

Does my health insurance cover me when traveling internationally?

Most U.S. health insurance plans provide little or no coverage outside the country. Medicare does not cover international medical care. Travel insurance fills this gap.

What is "cancel for any reason" coverage?

CFAR is an optional upgrade that lets you cancel your trip for any reason — not just covered reasons — and receive a partial refund (typically 50–75% of trip cost). It must be purchased within a set window of your initial trip deposit.

When should I buy travel insurance?

As soon as you make your first trip payment. Many benefits, including pre-existing condition waivers and CFAR, require purchase within 10–21 days of your initial deposit.

Does travel insurance cover COVID-19?

Coverage varies by policy. Many current policies cover COVID-related trip cancellations and medical expenses. We'll help you find a policy that addresses pandemic-related risks.

Ready to get covered?

Our licensed advisors will find you the right coverage across our carrier partners. No obligation, no pressure. We speak English and Spanish.

Get a free quote (305) 791-4872

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