Author: Meghan K

WARWICK, R.I., Feb. 25, 2025 — As travel costs continue to rise, more travelers are becoming concerned about the financial risks associated with trip cancellations. According to a recent survey conducted by InsureMyTrip, 52% of travelers worry about losing money if they need to cancel their trip. With the average cost of a vacation reaching $6,891 in 2025, the potential financial loss can be significant.

Survey Question:

Are you concerned about losing money if you should need to cancel your trip?

Survey Results:

• 52% Yes, I always get trip cancellation coverage
• 43% Sometimes, depending on how much I spend on my trip.
• 5% No, I only purchase emergency medical coverage.

Rising Travel Costs

The cost of vacations has steadily increased over the last four years.

• 2022: $5,144
• 2023: $5,629
• 2024: $5,743
• 2025: $6,891

The Value of Travel Insurance

As travelers pay more for vacations, they have more to lose if they need to cancel or cut a trip short, so travelers are encouraged to consider purchasing travel insurance. A comprehensive travel insurance policy typically costs only 4% – 10% of the total, prepaid, nonrefundable trip cost.

While no one plans to cancel their trip, the financial protection provided by travel insurance ensures that travelers don’t risk losing their entire investment if unforeseen circumstances arise.

Travel Insurance Plan Options

Comprehensive Travel Insurance Plans offer a wide array of benefits including:

• Trip cancellation
• Trip interruption
• Travel delays
• Baggage loss/delay
• Emergency medical
• 24-hour assistance services

Media Contact:
Meghan Kayata
[email protected]

About InsureMyTrip

You like options. We do too. It’s simple. InsureMyTrip finds you the right travel insurance plan, every time. InsureMyTrip is the authority on travel insurance. We are committed to empowering travelers to make the best possible insurance decisions by leveraging our technology, data intelligence, and expertise. InsureMyTrip is rated A+ by the Better Business Bureau.

SOURCE InsureMyTrip

WARWICK, R.I., Feb. 14, 2025 — A recent survey conducted by InsureMyTrip  reveals a critical gap in travel preparedness among international travelers. While 79% of travelers express concern about getting sick or injured while traveling abroad, only 41% know whether their domestic health insurance provides coverage outside their home country.

Survey Question:
When traveling abroad, are you concerned about getting sick or injured?

Survey Results:
79% Yes
21% No

Survey Question:
Do you know if your domestic health insurance covers you abroad?

Survey Results:
79% Yes
21% No
21% Not Sure
20% Limited

Importance of Travel Insurance While Traveling Abroad

This alarming statistic underscores the importance of travel insurance, which provides essential protection for unexpected medical expenses. Many travelers assume their domestic health insurance extends internationally, but the reality is that most policies, including Medicare, do not cover medical expenses incurred outside the country.

Travel Insurance Plan Options

In addition to medical coverage, travel insurance plans can protect against a variety of travel-related concerns, including trip cancellations, lost luggage, travel delays, and more.

• Emergency Medical Plans
  A travel medical plan offers coverage for unexpected medical emergencies while traveling abroad. This plan also 24-hour assistance services.
• Comprehensive Plans
  Comprehensive plans offer a variety of benefits, including emergency medical, trip cancellation, travel delay, baggage loss or delay, 24-hour assistance, and more.

Media Contact:
Meghan Kayata
[email protected]

About InsureMyTrip

You like options. We do too. It’s simple. InsureMyTrip finds you the right travel insurance plan, every time. InsureMyTrip is the authority on travel insurance. We are committed to empowering travelers to make the best possible insurance decisions by leveraging our technology, data intelligence, and expertise. InsureMyTrip is rated A+ by the Better Business Bureau.

SOURCE InsureMyTrip

WARWICK, R.I., Feb. 4, 2025 — Travelers planning vacations for 2025 may have noticed an increase in expenses, as trip costs continue to climb. According to recent data from InsureMyTrip, the average cost of a vacation in 2025 has risen to $7,401, compared to $5,960 in 2024.

In response to these rising costs, the experts at InsureMyTrip identified the most affordable international travel destinations in 2024, to help travelers plan budget-friendly vacations while still enjoying desirable locations.

Top 10 Most Affordable International Destinations

For those still determining their travel plans for 2025, the following destinations not only remained popular in 2024 but also offered affordability:

1. Philippines – $3,336
2. Mexico – $3,441
3. Columbia – $3,497
4. Honduras – $3,660
5. Bahamas – $3,687
6. Poland – $3,792
7. Bermuda – $3,821
8. Dominican Republic – $3,882
9. Jamaica – $4,145
10. Aruba – $4,259

Importance of Travel Insurance as Costs Rise

As travelers pay more for vacations – it means they have more to lose if they need to cancel, cut a trip short, or experience any number of travel issues. A comprehensive travel insurance policy is an efficient and cost-effective way to protect that investment. 

The Cost of Travel Insurance

A travel insurance policy can typically cost anywhere from 4% – 10% of your total prepaid, nonrefundable trip cost. For example, if a trip costs $1,000, a policy may be anywhere between $40 – $100.

The price of a policy is determined by several factors (e.g., age, cost of trip, amount of coverage), but comparing policies on InsureMyTrip.com can ensure travelers find the right amount of coverage for their budget.

Maximizing Travel Insurance Benefits

Buy Travel Insurance Early:

This allows travelers to take advantage of time-sensitive benefits like Cancel for Any Reason, or financial default. Travelers could become ineligible for these benefits in as little as 10 days after making a trip deposit. Coverage for pre-existing conditions may also be available if a policy is purchased within a certain timeframe and all requirements are met.

Buying early also boosts potential coverage for unforeseen events. Once an event is considered known, like a bad storm, travel insurance will not cover any losses related to the event.

Provide Accurate Trip Costs:

Travelers are advised to provide the accurate cost of a trip so they can be reimbursed for the proper amount in the event a claim is filed for a covered cancellation or interruption. Also, some coverages, such as Cancel for Any Reason, will require travelers to insure the full, prepaid, non-refundable trip cost to be eligible for that benefit. 

Media Contact:
Meghan Kayata
[email protected]

About InsureMyTrip

You like options. We do too. It’s simple. InsureMyTrip finds you the right travel insurance plan, every time. InsureMyTrip is the authority on travel insurance. We are committed to empowering travelers to make the best possible insurance decisions by leveraging our technology, data intelligence, and expertise. InsureMyTrip is rated A+ by the Better Business Bureau.

SOURCE InsureMyTrip

WARWICK, R.I., Jan. 23, 2025 – As wildfires continue to sweep through California, impacting both residents and their travel plans, questions about travel insurance coverage for wildfire-related disruptions are growing. With nearly 1,500 California policyholders traveling this month, InsureMyTrip is providing essential information to help travelers understand coverage options in the face of these unpredictable events.

To assist travelers in navigating this complex issue, InsureMyTrip CEO, Suzanne Morrow addresses common questions about travel insurance and how it applies to wildfire-related scenarios.

Top Questions About Travel Insurance and Wildfire Coverage

Q: Will I be covered if a wildfire devastates my destination and I need to cancel?

Morrow: The short answer is ‘maybe.’ Trip Cancellation coverage applies if the policy was purchased before the wildfire became a known event. Travel insurance is designed to cover unforeseen issues, so policies purchased after the wildfire was reported won’t cover it.

Q: What if I need to cut my trip short due to a wildfire?

Morrow: This situation falls under Trip Interruption coverage. You may be reimbursed for the unused portion of your trip if a mandatory evacuation is ordered.

Q: Am I covered if I’m injured or need medical attention because of a wildfire?

Morrow: Emergency medical benefits may apply if the policy was purchased before the wildfire became foreseeable. However, if you travel despite a government-issued advisory, fire-related medical issues won’t.

Q: What if my home is damaged or destroyed by a wildfire?

Morrow: If you are on a trip away from home when a wildfire occurs and your primary residence is made uninhabitable, your plan may provide trip interruption coverage which may help to defray the cost of returning home and provide reimbursement for unused pre-paid, non-refundable trip costs.

If you cannot travel because you need to tend to damage done to your primary home, you may be eligible for reimbursement due to cancellation.

Q: What if I cancel my trip out of fear the wildfires might impact my plans?

Morrow: Standard travel insurance doesn’t cover cancellations due to fear unless you have Cancel for Any Reason (CFAR) coverage. CFAR allows you to cancel for any reason, including concerns about wildfires, but eligibility and reimbursement depend on specific conditions.

Understanding Cancel for Any Reason (CFAR) Coverage

CFAR coverage offers travelers flexibility, allowing cancellations for non-covered reasons like fear or uncertainty about wildfires. To qualify, travelers must:

• Purchase a policy within a specific time frame after the initial trip payment.
• Insure the total, prepaid, nonrefundable amount for
• Cancel their trip at least 48 hours before departure.^*

If all requirements are met, CFAR can reimburse up to 50%-75% of prepaid, non-refundable trip costs.

Suzanne Morrow, InsureMyTrip CEO:

“As Californians face the dual challenges of wildfires at home and uncertainties surrounding their travel plans, InsureMyTrip remains committed to helping policyholders navigate their coverage options and protect their investments.”

Media Contact
Meghan Kayata
[email protected]

^*There are additional eligibility requirements for this coverage option, so be sure to review the policy carefully to understand coverage before purchasing.

About InsureMyTrip

You like options. We do too. It’s simple. InsureMyTrip finds you the right travel insurance plan, every time. InsureMyTrip is the authority on travel insurance. We are committed to empowering travelers to make the best possible insurance decisions by leveraging our technology, data intelligence, and expertise. InsureMyTrip is rated A+ by the Better Business Bureau.

SOURCE InsureMyTrip

WARWICK, R.I., Jan. 10, 2025 – Cruising has reached new heights of popularity, with newer, larger ships offering incredible amenities that redefine the travel experience. As more travelers book these unique vacations, understanding the nuances of cruise travel insurance has become increasingly critical.

Recent research by the experts at InsureMyTrip highlights a significant gap in the coverage provided by many cruise line travel insurance plans. While basic protections may be included, these often lack the robust benefits offered by third-party travel insurance, such as comprehensive trip cancellation coverage and expansive emergency medical care.

Understanding Cruise Insurance Gaps

According to InsureMyTrip researchers, comparing cruise line trip protection with third-party options often reveals better coverage at a lower cost.

Here’s why:

1. Limited Trip Cancellation Reasons: Cruise line insurance often restricts cancellation to a narrow set of predefined reasons, leaving travelers exposed in unexpected situations.
2. No Coverage for Pre-existing Conditions: Older travelers or those with pre-existing conditions might find themselves unprotected if they need medical attention or to cancel due to health issues.
3. Low Emergency Medical Limits: Cruise plans typically offer lower medical coverage compared to third-party options.
4. No “Cancel for Any Reason” Cash Refunds: Cruise-provided waivers may only reimburse through credits or vouchers, unlike third-party plans that offer cash refunds.
5. Inadequate Coverage for Non-Cruise Costs: Cruise insurance generally excludes flights and pre- or post-cruise accommodations, which third-party plans can cover.
6. No Protection Against Financial Default: Cruise line insurance rarely covers bankruptcy or financial default.
7. Fewer Inconvenience Benefits: Trip delays, baggage delays, and other inconveniences are often not included in cruise line plans.

Comprehensive Coverage Through InsureMyTrip

Third-party travel insurance plans from InsureMyTrip help protect your investment by covering prepaid, non-refundable trip costs, including flights and accommodations. Key benefits include:

• Trip Cancellation: Coverage for a wide range of reasons.
• Emergency Medical and Evacuation: High coverage limits for unforeseen medical needs.
• Pre-existing Condition Coverage: Available in most plans, if eligible.
• Optional Cancel for Any Reason: Cash refunds for ultimate flexibility.
• Financial Default Protection: Coverage against cruise line bankruptcy.
• Baggage Coverage and Trip Delay Benefits: Greater reimbursement options for inconveniences.
• Missed Cruise Connection: Assistance in rejoining your cruise if there is a covered delay.

Typically, these comprehensive plans cost only 4-8% of the total trip price, offering unparalleled value compared to cruise line policies.

Bottom Line

Your cruise line’s travel protection may provide some peace of mind, but it likely falls short of the comprehensive coverage offered by third-party travel insurance. Travelers can explore and compare coverage options on InsureMyTrip’s Cruise Travel Insurance Hub, ensuring their dream vacation stays stress-free and protected.

Media Contact
Meghan Kayata
[email protected]

About InsureMyTrip

You like options. We do too. It’s simple. InsureMyTrip finds you the right travel insurance plan, every time. InsureMyTrip is the authority on travel insurance. We are committed to empowering travelers to make the best possible insurance decisions by leveraging our technology, data intelligence, and expertise. InsureMyTrip is rated A+ by the Better Business Bureau.

SOURCE InsureMyTrip

WARWICK, R.I., Dec. 18, 2024 – Hundreds of thousands of bags are mishandled by the airlines every year. According to the latest U.S. Department of Transportation (DOT) data analyzed by InsureMyTrip researchers, 880,000 pieces of luggage were mishandled between January and April 2024, and in August alone, that number was about 260,000. With 40.99 million bags enplaned during the month, the mishandling of luggage remains a significant concern for travelers.

Airlines with the Highest Percentage of Mishandled Bags

1. Alaska Airlines – 1.14%
2. American Airlines – 1.03%
3. United Airlines – 0.75%
4. Spirit Airlines – 0.54%
5. Delta Air – 0.49%

Airlines with the Lowest Percentage of Mishandled Bags

1. Allegiant Air – 0.20%
2. Hawaiian Airlines – 0.31%
3. Southwest Airlines – 0.42%
4. Frontier Airlines – 0.45%
5. JetBlue – 0.45%

(^*Percentage per 100 bags)

3 Key Benefits of Travel Insurance for Mishandled Baggage

While airlines and the DOT have compensation policies in place, travel insurance offers more comprehensive protection for lost, delayed, or damaged baggage.

1. Delayed Baggage Essentials

   Airlines may refund baggage fees, but travel insurance can help cover the cost of essentials you may need while waiting for delayed luggage. Items like clothing, toiletries, and other necessities can be reimbursed, often beyond the airline’s limits.

   Pro Tip: Save all receipts for purchases made during the delay to streamline the claims process.

2. Protection Beyond the Flight

   Travel insurance coverage may extend beyond the airport. If an item is stolen from your luggage at a hotel or on a tour, travel insurance can provide coverage, ensuring you’re protected throughout your trip.

   Pro Tip: Carefully review your policy to understand when and where coverage applies, and ensure losses are reported to the appropriate authorities.

3. Filling Financial Gaps

   While airlines may reimburse some costs for necessities during baggage delays, their limits may not cover everything. Travel insurance steps in when those limits are exceeded.

   Airlines often exclude liability for high-value or fragile items, such as electronics. Travel insurance may help fill these gaps by offering reimbursement where airlines fall short.

   Pro Tip: Take photos of your luggage contents before traveling to document any items that may be lost, damaged, or stolen.

Media Contact
Meghan Kayata
[email protected]

About InsureMyTrip

You like options. We do too. It’s simple. InsureMyTrip finds you the right travel insurance plan, every time. InsureMyTrip is the authority on travel insurance. We are committed to empowering travelers to make the best possible insurance decisions by leveraging our technology, data intelligence, and expertise. InsureMyTrip is rated A+ by the Better Business Bureau.

SOURCE InsureMyTrip

WARWICK, R.I., Dec. 4, 2024 — As travelers gear up for the busy holiday season, navigating the unpredictable flight landscape will be more crucial than ever. New data analyzed by InsureMyTrip researchers reveals which U.S. airports have experienced the highest (and lowest) percentage of delays and cancellations in 2024.

Whether you’re visiting family across the country or jetting off for a winter vacation, knowing which airports to avoid could save you time and frustration during one of the busiest travel seasons of the year.

• San Francisco and Buffalo: Travel Hotspots with the Most Disruptions

  San Francisco International (SFO) had the highest percentage of delayed flights in 2024, with 37.18% delayed between January and June. Buffalo Niagara International (BUF) saw the highest percentage of cancellations at 2.74%.

• Holiday Travel to Florida and Texas? Expect Delays

  Several airports in popular holiday destinations like Florida and Texas consistently appeared on the list of top airports for delays. Travelers flying through Fort Lauderdale-Hollywood (FLL), Orlando (MCO), Miami (MIA), or Tampa (TPA) in Florida, or Dallas Fort Worth (DFW), Austin-Bergstrom (AUS), and San Antonio (SAT) in Texas, should brace for potential delays this holiday season.

• Double Trouble in San Francisco and Miami

  Both San Francisco International (SFO) and Miami International (MIA) ranked in the top 10 for delays and cancellations. These operational challenges may lead to travel headaches through the end of the year.

• Weather Woes Could Hamper Holiday Plans

  With weather-related delays on the rise, travelers flying through Dallas Fort Worth (DFW), Minneapolis-St. Paul (MSP), and Detroit Metropolitan (DTW) should keep an eye on the forecast when making holiday travel plans. These airports experienced the highest percentages of weather-related delays.

• Lowest Percentage of Delays and Cancellations: Where to Fly for a Stress-Free Holiday

  On a brighter note, Salt Lake City (SLC), Atlanta (ATL), Boise (BOI), and San Jose Mineta International (SJC) were among the airports with the lowest percentage of delays and cancellations — offering smoother travel experiences for those looking to avoid holiday headaches.

Find the latest airport delay and cancellation data HERE.

The Importance of Travel Insurance During the Holiday Rush

As airports become busier during the holidays and flight delays and cancellations become more frequent, the protection offered by travel insurance becomes even more essential. A policy may allow travelers to secure reimbursement for non-refundable trip components such as hotel bookings, tours, concert tickets, cruises, and transportation arrangements (like car rentals) that may be impacted by a flight delay or cancellation.

A Comprehensive Travel Insurance Policy, for example, can provide coverage for unexpected disruptions, including weather-related and other delays, trip cancellation, missed connections, lost/delayed baggage, along with emergency medical and 24-hour assistance.

Bottom Line:

As the holiday season approaches, this data offers a timely reminder for travelers to book strategically, stay informed about potential delays, and have backup plans in place when navigating through busy airports.

Media Contact:
Meghan Kayata
[email protected]

About InsureMyTrip

You like options. We do too. It’s simple. InsureMyTrip finds you the right travel insurance plan, every time. InsureMyTrip is the authority on travel insurance. We are committed to empowering travelers to make the best possible insurance decisions by leveraging our technology, data intelligence, and expertise. InsureMyTrip is rated A+ by the Better Business Bureau.

SOURCE InsureMyTrip

WARWICK, R.I., Oct. 30, 2024 — With the U.S. Department of Transportation (DOT) implementing new airline refund rules to enhance traveler protection for flight delays and cancellations, many travelers may feel more secure when booking their flights. However, according to the experts at InsureMyTrip, comprehensive travel insurance remains crucial for protecting the majority of trip-related costs and risks that fall outside of the DOT’s scope.

What the New DOT Rules Cover:

Under the new DOT regulations, airlines are required to issue automatic refunds for significant flight delays, cancellations, or schedule changes along with additional refunds are required for paid services that are unavailable (such as non-functional Wi-Fi), or for delayed checked baggage.

Why Comprehensive Travel Insurance Remains Important:

Beyond flights, travelers face the potential loss of other prepaid expenses, medical emergencies, and trip interruptions that can disrupt a vacation or business trip. This is where comprehensive travel insurance plays an important role.

Key Gaps Left Unaddressed by DOT Rules:

1. Non-Airfare Expenses – The majority of a trip’s cost, including accommodations, tours, and transportation, remains vulnerable to losses in the event of flight cancellations or disruptions. Travel insurance provides coverage for these elements, which could easily make up 60% to 80% of a traveler’s total trip cost.
2. Medical Emergencies – Should a traveler experience illness or injury abroad; the DOT rules provide no protection. Travel insurance offers coverage for medical expenses and emergency evacuations, which are often excluded from standard health insurance policies.
3. Baggage Protection – While airlines are required to compensate for lost or delayed baggage, travel insurance offers higher limits for lost or stolen items and broader coverage for baggage delays.
4. Trip Interruptions and Cancellations – Travel insurance covers trip interruptions due to unforeseen events like illness, family emergencies, or natural disasters — events that are not addressed by the new refund rules.
5. Cancel for Any Reason (CFAR) Coverage – If eligible, this optional insurance allows travelers to cancel their trip for any reason and still receive reimbursement for a portion of their trip costs, offering unmatched flexibility.

Bottom Line:
The new DOT airline refund rules are an important development in protecting air travelers’ rights. However, travel insurance remains important to protect the entire trip – potentially covering everything from medical emergencies to non-refundable trip expenses.

Media Contact:
Meghan Kayata
[email protected]

About InsureMyTrip

You like options. We do too. It’s simple. InsureMyTrip finds you the right travel insurance plan, every time. InsureMyTrip is the authority on travel insurance. We are committed to empowering travelers to make the best possible insurance decisions by leveraging our technology, data intelligence, and expertise. InsureMyTrip is rated A+ by the Better Business Bureau.

SOURCE InsureMyTrip

WARWICK, R.I., Sept. 23, 2024 — As travel continues to evolve with the preferences of different generations, new data from InsureMyTrip reveals travel patterns across Baby Boomers, Generation X, Millennials, and Gen Z vary significantly, particularly in terms of preferred travel seasons.

Understanding these trends can help travelers make better choices when planning their vacations, including the best times to find deals, avoid crowds, or experience specific weather conditions.

Most Popular Travel Seasons by Generation

Boomers:

Baby Boomers prefer the cooler, more tranquil months of fall and spring. With a focus on comfort and avoiding the busiest times, Boomers are often seeking cultural experiences and slower-paced travel.

1. Fall
2. Spring
3. Summer
4. Winter

Gen X:

Generation X travelers favor the classic summer vacation season, followed closely by the vibrant beauty of spring. They prioritize family vacations and often plan trips around school schedules and holiday breaks.

1. Summer
2. Spring
3. Fall
4. Winter

Millennials:

Like Gen X, Millennials prefer to travel during the summer, followed by spring and fall. They often look for adventure and unique experiences, with an eye toward exploring new destinations.

1. Summer
2. Spring
3. Fall
4. Winter

Gen Z:

The youngest generation of travelers is most eager to explore during the warmer months. However, they show a greater inclination to embrace winter travel more than any other generation, with fall being the least popular season.

1. Summer
2. Spring
3. Winter
4. Fall

Travel Insurance Year-Round

No matter what season travelers prefer, considering comprehensive travel insurance is essential. From unexpected delays to health emergencies, travel insurance protects travelers and their loved ones from unforeseen expenses.

Whether you’re planning a family trip in the summer or an off-peak fall getaway, being covered with the right policy means you can enjoy your journey knowing you’re prepared for anything.

Media Contact:
Meghan Kayata
[email protected]

About InsureMyTrip

You like options. We do too. It’s simple. InsureMyTrip finds you the right travel insurance plan, every time. InsureMyTrip is the authority on travel insurance. We are committed to empowering travelers to make the best possible insurance decisions by leveraging our technology, data intelligence, and expertise. InsureMyTrip is rated A+ by the Better Business Bureau.

SOURCE InsureMyTrip

WARWICK, R.I., Sept. 10, 2024 — A new report from InsureMyTrip ranks the most popular international destinations by state. The data shows 31 states favor trips to Mexico, while other states prefer visiting Bahamas and Italy. Results are based on all travel insurance purchases for international trips departing in 2024.

Summary:

• Mexico dominates the rankings as the top destination for about 60% of states.
• Italy is a popular destination for 2024 – making the top 5 for every state except Oklahoma, Tennessee, West Virginia, and Wyoming.
• Travel insurance customers from Hawaii pick Japan as a favorite destination.
• Bahamas, The United Kingdom, and Canada all making strong showings in the rankings.

Top 5 International Destinations State by State:

Travel Insurance for International Trips

According to InsureMyTrip, 87% of customers choose a Comprehensive Travel Insurance Policy for trips abroad. This policy provides a variety of benefits including medical coverage, emergency travel services, baggage protection, trip cancellation and trip interruption coverage.

Emergency medical coverage is especially important for international trips because most domestic health insurance plans do not cover medical bills outside of the country.

Media Contact:
Meghan Kayata
[email protected]

About InsureMyTrip

You like options. We do too. It’s simple. InsureMyTrip finds you the right travel insurance plan, every time. InsureMyTrip is the authority on travel insurance. We are committed to empowering travelers to make the best possible insurance decisions by leveraging our technology, data intelligence, and expertise. InsureMyTrip is rated A+ by the Better Business Bureau.

SOURCE InsureMyTrip