Wondering if you need travel insurance? Here’s real talk from a travel agent about what’s covered, what’s not, and how 2 Keys Travel can help—even if you book on your own.
✈️ Don’t Skip the Most Important Part of Your Trip: Travel Insurance
You’ve booked the flight. Chosen the resort. Outfits? Already packed. But let me ask you this: Did you get travel insurance?
As your go-to travel agent at 2 Keys Travel, I know the excitement of planning the fun stuff. But in this world? You can’t afford to leave your trip—or your coins—unguarded. Even if you like to book things on your own, I can still help you protect what you’ve paid for.
Let me break it all the way down.
🛡️ What Travel Insurance Usually Covers
A quality travel insurance plan from a licensed provider can help with:
- Trip cancellations or interruptions
- Emergency medical coverage while abroad
- Baggage delays or lost items
- Evacuation due to health or safety issues
- 24/7 assistance services
Real-World Examples:
- 🏥 Emergency in Italy: A traveler needed surgery in Florence—insurance covered a $30,000 hospital bill.
- 🛳️ Missed cruise connection: A snowstorm delayed a couple’s flight; insurance paid for new flights and reimbursed their missed cruise.
- 👚 Lost luggage in Paris: Four days without bags? Insurance covered clothes and essentials.
💕 Couples Travel Insurance: For You and Your Bae
If you’re planning a romantic getaway, couples travel insurance is a must. Protect your investment and your peace of mind—because nothing kills the vibe like unexpected costs or delays.
👨👩👧👦 Family Travel Insurance: Cover the Whole Crew
Traveling with kids or extended family? Family travel insurance ensures everyone’s covered if plans change, someone gets sick, or luggage goes missing.
⚠️ What’s Not Typically Covered (Unless You Upgrade)
Even the best travel insurance plans have exclusions. Here’s what usually isn’t covered unless you buy add-ons:
- Pre-existing conditions (unless you add a waiver)
- Pandemics, civil unrest, or “known events”
- Cosmetic or elective procedures
- Fear of travel (unless you have Cancel for Any Reason (CFAR) coverage)
🗺️ CFAR: Cancel for Any Reason — But Not in Every State
Want that extra layer of flexibility? Cancel for Any Reason (CFAR) policies let you cancel your trip and still get reimbursed—no matter the reason. But not all states allow it.
✅ CFAR Available In: Florida, Texas, Georgia, California
❌ Restricted In: New York, Washington, and others due to local insurance laws
Always confirm availability with the insurance provider before booking.
💳 Think You’re Covered by Your Credit Card? Think Again.
Premium credit cards often include some protection, but here’s what they usually don’t cover:
- Emergency medical treatment abroad
- Medical evacuations
- CFAR options
- Reimbursement for all travelers (if you’re booking for a group)
Don’t assume you’re covered—double-check.
🔍 Why 2 Keys Travel Can Still Help—Even if You Booked Alone
Whether you booked your trip through me or on your own, I can still help you get covered through trusted affiliate travel insurance links.
🛑 I’m not licensed to sell or explain policies, but I can send you to the right place.
👉 Need travel insurance? Click Here
📞 Want to talk to someone? Call the toll-free number on the provider’s site.
✅ Final Thought: Don’t Leave Without a Safety Net
Look—I want your vacation to be fun, but I also want it to be smart. Booking travel insurance is the grown-up move, and I’m here to make it easier.
Still have questions? Let’s talk.
📩 Reach out to me at 2 Keys Travel and I’ll make sure you’re covered from takeoff to touchdown.
