You've planned the trip, paid the deposits, and started the countdown. Here's what travel protection can actually cover.
Start with what you're protecting
Your trip isn't just a date on the calendar — it's deposits, flights, resort stays, excursions, and everything I've helped you piece together. Most of that is prepaid, and most of it has its own cancellation rules depending on who you booked with.
Before deciding whether travel protection makes sense for your trip, it helps to think through the actual financial and logistical pieces at stake — and what you'd want answered if any of it changed unexpectedly.
If you couldn't take the trip
How much of what you've already paid would be refundable under your cruise line, resort, or tour operator's own cancellation policy?
If your trip were interrupted
What extra costs could you face — transportation, hotel, rebooking — if your plans had to change after the trip already started?
If you needed care away from home
Does your health coverage actually travel with you, especially internationally, or would you be on your own?
If your belongings didn't arrive
What's already covered through an airline or credit card, and what gap would a dedicated policy actually close?
The pieces of a standard policy
Comprehensive plans usually bundle trip cancellation, trip interruption, emergency medical and evacuation coverage, baggage and personal effects protection, and travel delay coverage. One optional upgrade worth knowing about on its own:
Cancel For Any Reason (CFAR)
Can let a traveler cancel for virtually any reason — not just a covered one — and can help recover a portion of non-refundable costs (commonly in the 50–75% range, depending on the plan). It almost always has to be purchased within a short window after the first trip deposit — commonly 10–21 days — and typically requires canceling at least 48 hours before departure. Exact terms vary by plan, so the specific policy details always govern.
What it typically costs
Smaller trips tend to see a higher percentage, larger trips a lower one — the exact cost depends on trip cost, length, destination, traveler age, and the coverage tier selected.
Information, not advice — the choice is always yours
I'm certified through the Travel Insured International Travel Advisor Certification Program, which means I can share how travel protection generally works and include a quote request as part of your booking. I'm not a licensed insurance producer or agent, though, so I can't advise you on which specific plan is right for you or compare coverage on your behalf — and honestly, that's part of why I partner with Travel Insured specifically. Their own licensed insurance agents are genuinely great to work with, and I'd rather you get real coverage guidance from them directly than a guess from me. You can review the plan details and choose your own coverage directly — I'm simply here to make sure you know the option exists and get the quote request started if you'd like one.
Travel Insured International's plan tiers, at a glance
I'm affiliated with Travel Insured International, so here's a purely informational look at their current single-trip tiers. This is general reference, not a recommendation — plan details, pricing, and availability should always be confirmed directly with Travel Insured before you decide.
Worldwide Trip Protector Essential
Can include full trip cancellation reimbursement, up to $50,000 in medical expense coverage, and up to $750 in baggage protection.
Worldwide Trip Protector Deluxe
Can include full cancellation/interruption benefits, up to $250,000 in medical coverage, up to $1,500 in baggage protection, with the option to add Cancel/Interrupt for Any Reason.
Worldwide Trip Protector Platinum
Can include up to $500,000 in medical coverage, up to $2,500 in baggage protection, and up to 150% trip interruption reimbursement, with premium add-ons available.
Annual Multi-Trip Plan
Can provide year-round coverage for frequent travelers, with pricing starting around $94/year for adults, available to cover multiple trips within the policy year.
Travel Insurance FAQ
Is travel insurance worth it for a domestic trip?
Often yes — trip cancellation and interruption coverage can help protect the money you've already put down regardless of destination, even if the medical piece matters less close to home.
Doesn't my credit card already cover this?
Some cards can include limited protection, but coverage amounts and qualifying reasons are usually much narrower than a dedicated policy. Worth checking your card's actual benefits guide before assuming it's enough.
When should I actually buy my policy?
As close to your first deposit as possible — ideally within 10–21 days, since that's typically the window for CFAR eligibility and pre-existing condition waivers.
Can you tell me which plan I should pick?
I can't — I'm not a licensed insurance producer or agent, so plan selection and coverage comparisons aren't something I'm able to advise on. I can point you to the plan details and include a quote request when we book, but the choice is yours to make, ideally after reading the policy details directly.
How do I get a quote?
Use my dedicated Travel Insured link to request your own quote any time: Get a Quote. You're also welcome to mention it when we're planning your trip, or email erica@polkadotsnwishestravel.com with questions.
Want to Add Travel Protection to Your Trip?
Request your own quote any time through my dedicated Travel Insured link below — the plan you choose is entirely up to you.
Get Your Travel Protection QuoteErica McCall / Polka Dots N' Wishes Travel is a travel retailer, not a licensed insurance producer or agent, and this page is general information only — not insurance advice, and not a recommendation of any specific plan. Exact terms, waiting periods, coverage amounts, and reimbursement percentages vary by provider and plan and are set entirely by the insurer. For help choosing coverage or comparing plan details, contact Travel Insured International directly or consult a licensed insurance agent.