The One Thing You Shouldn’t Skip When You Travel

Nobody likes talking about travel insurance. It’s not fun, it’s not chic, and it definitely doesn’t come with a welcome drink. But when things go wrong—and lately, they often do—it’s the one thing that can save your trip (and your wallet).

Here’s why I always advise it and don’t travel without it.

Flight Chaos Happens

Cancellations, delays, missed connections—it’s not a matter of if anymore, it’s when. Political instability, wild weather, and good old-fashioned airline meltdowns are part of the current reality. Insurance with trip interruption or cancellation coverage helps you recover non-refundable costs—like hotel deposits, pre-paid tours, or rebooking fees—when your plans fall apart.

Getting Sick Abroad Is Expensive

If you end up needing medical care while traveling, don’t assume your regular insurance will cover it. In many places, it won’t. Travel insurance with medical coverage means you can get the care you need without worrying about a $15,000 bill for a sprained ankle. Seriously.

Lost Bags. Broken Systems. No Help.

Baggage nightmares are everywhere—especially in peak season when airport staffing gets overwhelmed. Travel insurance can cover lost, delayed, or stolen bags (plus reimburse you for essentials while you wait for them to show up). Some policies even cover personal items like laptops and jewelry.

Airlines Won’t Always Save You

Stranded by a canceled flight? Good luck getting a hotel voucher. Travel insurance steps in when the airline doesn’t—whether that’s helping you rebook, covering an unplanned overnight stay, or giving you a human to actually talk to.

Here’s the Real Talk:

You don’t need travel insurance—until you really, really do. And by then, it’s too late.

I help my clients find the right policy based on where they’re going, what they’ve booked, and how much risk they’re comfortable with. It’s not sexy, but it’s smart—and we make it easy.