Travel Insurance — When It Matters Most
Travel insurance isn’t always necessary—but there are times when it’s worth a closer look.
One of the most common surprises is that many U.S. health insurance plans provide little or no coverage once you leave the country. Most travelers don’t think about that until something happens.
A Real-World Example
On a recent advisor trip, a traveler slipped in the airport baggage area and broke her arm. What caught her off guard wasn’t the injury—it was the bill.
Her health insurance didn’t apply outside the U.S., and she was responsible for more than $14,000 in medical costs before she was cleared to return home. Her family had to wire funds to cover the expense.
It’s not a common situation—but it’s not unheard of either.
When Clients Consider It
Some clients choose insurance for longer or more complex trips. Others when traveling internationally, or when timing is important.
For many, it simply comes down to whether they’d prefer to have a backstop in place.
A Few Things Worth Knowing
Coverage for pre-existing conditions is often only available if insurance is purchased within a short window—typically within 14 days of the initial trip deposit
In many cases, coverage can be based on the initial trip deposit, rather than the full anticipated cost
It’s also worth a quick call to your health insurance provider to understand what, if anything, is covered outside the U.S.
These are the kinds of details that are easy to miss—but can make a difference.
What It Typically Covers
Plans vary, but most are designed to help with:
Medical care while traveling
Trip interruptions or delays
Lost or delayed baggage
Unexpected changes before departure
We focus on what’s relevant for the trip—not everything available.
A Practical Perspective
Most trips go exactly as planned. Some don’t.
Insurance doesn’t change the experience—it simply provides options if something unexpected comes up.
How We Help
Our role isn’t to sell insurance. It’s to help you decide if it makes sense, and if so, point you in the right direction.
Like everything we do, it starts with a conversation.