
08/09/2025
✈️ “Your dream trip can disappear in a heartbeat - here’s how to protect it.” 🧳🌍
Flights cancel. Bags vanish. Weather turns. Now what? 🤔
These are the 5 travel insurance must-haves every traveler should know:
1. Emergency Medical Coverage
• Covers illness or injury while abroad — including doctor visits, hospital stays, and even air ambulance evacuation.
• Crucial if your destination doesn’t offer free healthcare.
• Some plans also include emergency dental and repatriation.
2. Trip Cancellation & Interruption (Including Weather!)
• Reimburses non-refundable costs if you cancel before you go or cut your trip short.
• Covered reasons may include personal illness, family emergency, extreme weather, or airline strikes.
• Some policies cover rebooking missed flights or unused hotel nights.
3. Lost, Delayed, or Stolen Baggage
• Helps cover essentials if your bags are delayed.
• Replaces lost or stolen luggage and personal items.
• Often includes passport and electronics coverage too.
4. Accidental Death & Dismemberment (AD&D)
• Offers a payout if a serious or fatal accident occurs on your trip.
• Includes accidental loss of limb, sight, or life.
• Recommended for adventure or high-risk travel.
5. Cancel For Any Reason (CFAR)
• Cancel your trip for literally any reason — not just “approved” ones.
• Used to require purchase within 48 hours of booking — now available anytime before your trip starts.
• Typically reimburses up to 60% of your total insured trip cost.
Note: Written in Canadian Context
✈️ Bottom line: If you can’t afford to lose it, insure it.
📌 Save this post before your next trip — it could save your vacation.