I get this question all the time: “Do I really need travel insurance?”
And my honest answer—every single time—is yes.

When you’re investing in a trip, especially something big like a cruise or an international vacation, travel protection isn’t just another box to check. It’s one of the smartest decisions you can make to protect your plans and your wallet.

What Travel Protection Actually Covers

Most people think of travel insurance as only for cancellations, but it does much more. A good policy can cover:

• Trip cancellation for covered reasons like illness, injury, or unexpected events

• Trip interruption if you need to cut your trip short

• Emergency medical care (especially important if you're outside the U.S.)

• Medical evacuation to get you to proper care

• Lost, delayed, or stolen luggage

• Delays that cause extra expenses like hotels, meals, or missed connections

These are the kinds of things no one wants to deal with—but if they happen, you’ll be glad you’re covered.

Here’s What I Offer

When we book your trip, I can set you up with one of two options depending on how often you travel:

Single-Trip Coverage

This protects you for one specific trip. It’s based on your travel dates, destination, and total trip cost. It’s great if you take one or two vacations a year and want to make sure that trip is covered from start to finish.

Annual (Yearly) Coverage

If you travel more frequently, this is a game changer. You pay once for 12 months of protection and you’re covered for an unlimited number of trips, both domestic and international. Most policies allow each trip to be up to 30 to 90 days long, which is plenty for most travelers.

Why I Recommend Chubb for Yearly Travel Protection

Chubb’s annual travel policy is one of my go-to recommendations for clients who travel more than once a year. It’s well-rounded and includes:

• Emergency medical and evacuation coverage

• Trip cancellation and interruption

• Lost and delayed baggage

• 24/7 global assistance

• Coverage for both U.S. and international travel

It’s easy, reliable, and gives you that peace of mind every time you leave home.

My Advice? Don’t Skip This

If you’re booking a trip—especially a cruise, international travel, or anything non-refundable—this is the coverage that protects everything we’re planning. I always recommend at least a quote so you can make an informed decision.

Skipping travel protection is like driving without car insurance. You might be fine—but if something goes wrong, the costs can be major.

Disclaimer: Coverage and benefits vary by policy and provider. Always review the specific terms, conditions, and exclusions of your policy documents to understand what is and isn’t covered. I’m happy to help guide you through the options, but final coverage decisions are based on the terms of the individual policy you select.

Need a Quote?

I can help you compare both single-trip and annual options and see what fits best. It’s a quick step that can save you thousands and a lot of stress later.

Let’s get you protected, so all you have to worry about is what to pack.