There are 3 core reasons why anyone can benefit from travel insurance. Of course, no one plans on getting flight delays, plan cancellations, or acquiring medical expenses. This is where BRP's advisors can fill in the gaps to give you peace of mind.

1. Protect the cost of your trip if you have a travel delay or need cancellation.
2. Offset added expenses due to a travel delay or lost, delayed, or damaged luggage.
3. Protect from expensive medical bills in case you are injured or become ill while travelling abroad.

As the U.S. State Department notes, “many foreign medical facilities and providers require cash payment up front and do not accept U.S. insurance plans. Medicare does not provide coverage outside of the United States.”¹

When you have travel insurance with emergency medical benefits, it can pay for losses due to covered medical and dental emergencies that occur during your trip. Emergency medical transportation benefits can pay for medically necessary transportation to the nearest appropriate medical facility, as well as the cost of getting you home following a covered injury or illness. The Allianz Global Assistance hotline staff may even be able to arrange payment in advance for covered emergency medical care. The upshot: When you’re wondering “is travel insurance worth it?”, weigh the small cost of buying insurance against the massive costs of a medical emergency overseas.

Travel insurance covers a number of travel-related risks, from flight cancellations to lost bags to medical emergencies. The dollar amount of your coverage depends on the policy you bought and where and when you bought it. Most travel insurance providers offer several different policies to choose from, with higher or lower levels of coverage and higher or lower prices to match.