Personal Lines Coverage
Trip cancellation, emergency medical, and travel disruption coverage — so you can travel with confidence wherever you go.
Travel insurance protects your investment in a trip and covers unexpected events that can turn a vacation or business trip into a financial disaster. From medical emergencies abroad to last-minute cancellations, the right travel policy gives you peace of mind and real financial protection. Miami's international community makes travel insurance especially relevant for frequent travelers.
U.S. health insurance typically doesn't cover medical care abroad. Travel insurance fills this critical gap.
Cruises involve significant upfront costs and unique risks — medical care at sea, missed ports, and itinerary changes.
Annual multi-trip plans provide cost-effective coverage for professionals who travel regularly for work.
Group travel policies cover the whole family and protect the significant investment in a family vacation.
Older travelers and those with pre-existing conditions face higher medical risks abroad — travel insurance is essential.
Hiking, diving, skiing, and other adventure activities may require specialized coverage beyond standard travel policies.
Most U.S. health insurance plans provide little or no coverage outside the country. Medicare does not cover international medical care. Travel insurance fills this gap.
CFAR is an optional upgrade that lets you cancel your trip for any reason — not just covered reasons — and receive a partial refund (typically 50–75% of trip cost). It must be purchased within a set window of your initial trip deposit.
As soon as you make your first trip payment. Many benefits, including pre-existing condition waivers and CFAR, require purchase within 10–21 days of your initial deposit.
Coverage varies by policy. Many current policies cover COVID-related trip cancellations and medical expenses. We'll help you find a policy that addresses pandemic-related risks.
Our licensed advisors will find you the best rate across 100+ carriers. No obligation, no pressure — we speak English and Spanish.