Travel Insurance
Call Us: 603-766-3733
A family books a two-week trip through Italy and Greece for May, plans the entire itinerary around a 60th birthday celebration in Santorini, and watches the patriarch develop chest pain on day three. The cardiac event itself runs $42,000 between the ER, the helicopter transfer to Athens, and the cardiology workup. The medical evacuation back to a U.S. hospital with a flight nurse and a stretcher configuration is another $87,000. Their U.S. health insurance? It does not cover any of it. This scenario plays out more often than most travelers expect, and it explains why a serious travel insurance policy matters in a way that goes well beyond replacing a missed flight.
Travel insurance is not a single product. It is a stack of coverages, each addressing a different risk, that get bundled together under one policy or assembled from specialty markets when a trip warrants it. The five core categories are trip cancellation and interruption, trip delay, travel medical, emergency medical evacuation, and baggage. Beyond those, optional layers like Cancel For Any Reason (CFAR), pre-existing condition waivers, and adventure or hazardous activity coverage exist for specific situations. The right policy depends on what the trip looks like, how much non-refundable cost is at stake, and where the traveler is going. This guide walks through each coverage category, compares the major carriers, and explains the decisions worth getting right before you book.
The Five Core Coverages Every Travel Policy Should Address
A comprehensive travel insurance policy typically bundles five distinct coverage categories. Understanding what each one actually pays for is the difference between a policy that protects the trip and a policy that looks reassuring on paper but pays out very little when something goes wrong.
Trip Cancellation and Interruption
Trip cancellation coverage may reimburse non-refundable trip costs if a covered reason prevents the trip from happening or interrupts it mid-trip. The covered reasons typically include illness or injury of the traveler or a traveling companion, death of a family member, jury duty, military deployment, severe weather affecting the destination, and a handful of other listed triggers. Coverage limits are set when the policy is purchased and typically equal the total non-refundable trip cost.
Trip interruption works similarly but applies after the trip has started. If a covered reason forces the traveler home early, the policy may reimburse the unused portion of the trip plus the cost of returning home. One thing to keep in mind: cancellation and interruption are named-reason coverages. A change of mind, a work conflict, or a non-covered family situation generally will not trigger payment. That is where Cancel For Any Reason coverage becomes relevant, discussed below.
Trip Delay
Trip delay coverage may reimburse meals, lodging, and incidental expenses when a covered delay exceeds a stated threshold, often six or twelve hours. The per-day limit is usually modest, in the $150 to $300 range, with a total cap of $500 to $2,000 depending on the policy. Trip delay is the coverage that pays for the hotel and dinner when a connecting flight gets canceled in Frankfurt.
Travel Medical
Travel medical coverage pays for medical expenses incurred while traveling. This is the coverage most U.S. travelers underestimate, because U.S. health insurance is often limited or inapplicable outside the United States. Medicare, in particular, provides essentially no coverage abroad. Many employer plans cover only emergency care abroad with significant cost-sharing.
A travel medical policy may cover physician visits, hospital admissions, surgery, prescription medication, and ambulance transport, typically up to a stated limit. Limits range widely: budget policies may cap at $50,000, while comprehensive policies often carry $250,000 to $1,000,000 in medical coverage. For international travel beyond a few days, $250,000 is generally the minimum worth considering, and HNW travelers or those going to remote destinations typically want $500,000 or more.
Emergency Medical Evacuation
Emergency medical evacuation, often called medevac, is separate from travel medical and arguably more important. It pays for the cost of transporting the traveler from the place of injury or illness to an appropriate medical facility, and in some cases, back to a hospital near home. The cost of a medevac flight can run $50,000 to over $250,000 depending on the distance and the medical configuration required.
Strong evacuation coverage may include transport to the nearest adequate facility, transport to a facility of the traveler’s choice (often home), and repatriation of remains in the worst case. Lower-tier policies may only cover transport to the nearest facility, which can leave a family stuck in a hospital they did not choose. For international travel, evacuation limits of $500,000 to $1,000,000 are common in HNW-oriented policies and are typically worth the modest additional premium.
Baggage and Personal Effects
Baggage coverage may pay for lost, stolen, or delayed luggage and personal effects. Limits are usually modest, often $1,000 to $2,500 total with per-item sublimits. For high-value items like jewelry, cameras, or electronics, the personal effects schedule on a home or HNW private client policy may provide better worldwide coverage than the baggage limits on a travel policy. Travelers carrying significant valuables should typically rely on scheduled personal property coverage rather than the travel policy’s baggage limit.
| Coverage Category | Typical Limit Range | What It Pays For |
|---|---|---|
| Trip cancellation | 100% of trip cost | Non-refundable costs after covered reason |
| Trip interruption | 100 to 150% of trip cost | Unused trip portion plus return travel |
| Trip delay | $500 to $2,000 | Meals, lodging during covered delay |
| Travel medical | $50,000 to $1,000,000 | Care while traveling |
| Emergency evacuation | $100,000 to $1,000,000 | Medevac and repatriation |
| Baggage | $1,000 to $2,500 | Lost, stolen, or delayed luggage |
By: Tod O’Dowd, CIC, CAPI
President of Avery Insurance Agency
Optional Layers That Matter for Complex Trips
Beyond the core five, several optional coverages address specific situations. These are not always needed, but when they are, the difference in protection can be substantial.
Cancel For Any Reason (CFAR)
CFAR coverage may reimburse a portion of non-refundable trip costs, often 50% to 75%, when the traveler cancels for a reason not otherwise covered. Critical caveats: CFAR is typically only available within 14 to 21 days of the initial trip deposit, the trip must usually be canceled at least 48 hours before departure, and the reimbursement percentage is set when the policy is bound. CFAR adds roughly 40% to the base policy premium. For high-cost trips with significant non-refundable deposits, CFAR may be worth the extra premium. For lower-cost trips, often it is not.
Pre-Existing Condition Waivers
Most travel insurance policies exclude losses traceable to pre-existing medical conditions during a look-back period, often 60 to 180 days before the policy was purchased. A pre-existing condition waiver may remove that exclusion if the policy is purchased within a short window of the initial trip deposit, typically 14 to 21 days. Travelers with ongoing health conditions should typically buy the policy promptly after the first deposit and request the waiver in writing.
Adventure and Hazardous Activity Coverage
Standard travel insurance often excludes injuries from activities like scuba diving below recreational depths, mountaineering above stated altitudes, motorsports, skydiving, and similar pursuits. Travelers planning these activities typically need a policy with an adventure or hazardous activities rider, or a specialty policy purpose-built for the trip. The activities covered and the depth or altitude limits vary considerably between carriers.
Rental Car Damage Coverage
Some travel policies may include rental car collision damage waiver coverage as a built-in or optional rider. This can replace the expensive CDW typically sold at the rental counter. Coverage limits, geographic scope, and excluded vehicle types vary, so read the form carefully if rental car coverage is part of the reason for buying the policy.
The Carriers Avery Typically Works With for Travel Placements
Avery places travel insurance through several established carriers. Each has a different strength, and the right fit depends on the trip type, the traveler’s profile, and the coverage priorities.
Allianz Travel
Allianz Travel is one of the largest and most established travel insurance providers in the U.S. market. Their suite of policies may cover trip cancellation, interruption, medical, evacuation, and baggage at competitive limits. The OneTrip family of policies covers single trips, multi-trip annual policies, and prime/premier tiers for higher-limit needs. Allianz tends to be a strong fit for standard leisure travel, particularly domestic and well-traveled international destinations. Their 24/7 hotline and claims process are generally well-regarded.
Generali Global Assistance
Generali, sometimes branded CSA Travel Protection in the U.S., may offer policies oriented toward cancellation, medical, and evacuation coverage with strong customer service. Their plans typically include 24/7 emergency assistance and may offer good pricing on mid-tier coverage. Generali tends to be a reasonable option for travelers who want solid core coverage without paying for the highest-tier limits.
IMG (International Medical Group)
IMG specializes in international travel medical and major medical policies. Their offerings span short-term travel medical, long-term international major medical for expats, and specialty programs. For travelers focused primarily on medical coverage abroad, particularly those going to higher-risk regions or staying longer than a typical leisure trip, IMG often offers the strongest medical-first policy structure. Their GeoBlue product, in particular, is positioned for international travelers who want medical-only coverage from a Blue Cross Blue Shield network abroad.
Specialty and HNW Travel Markets
For high-net-worth travelers, frequent international travelers, or trips involving adventure activities, specialty travel markets often provide better fits than the mass-market carriers above. These may include programs through Chubb (for clients with broader HNW programs), and Lloyd’s syndicates for unusual destinations or activities. An agency like Avery Insurance can help match the trip and traveler profile to the appropriate carrier or specialty market.
Travel Insurance for International, Adventure, and HNW Travelers
Different traveler profiles have different needs. The standard “comprehensive” policy is not the right answer for everyone.
For international travel, the priority is typically medical and evacuation coverage. U.S. health insurance generally does not travel well, and the cost of foreign medical care plus potential medevac can dwarf the entire trip cost. International travelers should typically prioritize $250,000+ medical and $500,000+ evacuation limits, with worldwide coverage and 24/7 assistance.
For adventure travel including diving, climbing, and remote-location travel, a hazardous activities rider or a purpose-built adventure policy is typically essential. Standard policies often exclude exactly the activities the traveler is going for. Adventure policies may also include search-and-rescue coverage, which is rarely included in standard policies.
For HNW travelers and frequent international travelers, an annual multi-trip policy or coordination with a private client program may make more sense than a per-trip policy. Annual policies typically cover unlimited trips up to a stated per-trip length. Private client coordination may extend worldwide personal liability and contents coverage that complements the travel policy.
What Travel Insurance Does Not Cover
Travel insurance is named-reason coverage. Knowing what is excluded matters as much as knowing what is covered.
Pre-existing medical conditions without a waiver are typically excluded during the look-back period. Acts of war, civil unrest, and government-issued travel advisories are commonly excluded or sublimited. Pandemic-related cancellations are typically not covered unless a CFAR rider was added, though some policies have added specific epidemic coverages in recent years. High-risk activities without a hazardous activities rider are usually excluded. Cancellation because the trip provider changes the itinerary or because the traveler simply changed their mind are typically not covered without CFAR. Losses from foreseen events at the time of booking, such as a named storm already forecast, are generally not covered.
The single most important decision is when to buy the policy. CFAR availability, pre-existing condition waivers, and certain other features are only available within a short window after the initial trip deposit, typically 14 to 21 days. Travelers who wait until close to departure often lose access to the most valuable coverages.
The second decision is matching the policy to the trip. A weekend in Florida does not need the same coverage as three weeks in Patagonia. A short trip with refundable bookings does not need the same coverage as a $40,000 family heritage tour with non-refundable cruise deposits. Working with an advisor who understands the trip profile and the carrier landscape avoids the trap of buying a policy that looks comprehensive but does not actually fit the trip.
The third decision is reading the form before binding. Coverage limits, look-back periods, and exclusions vary considerably between carriers and tiers. The cheapest policy with $50,000 in medical and $100,000 in evacuation is not the same product as a comprehensive policy with $500,000 in medical and $1,000,000 in evacuation, and the premium difference is often less than people expect.
Request Coverage through Avery Insurance to begin the conversation about travel insurance that actually fits the trip.
Frequently Asked Questions
Does my health insurance cover me abroad? Often very little. Medicare typically provides no coverage abroad. Most employer plans cover emergency care only with significant cost-sharing and no medical evacuation. A standalone travel medical policy is usually the right answer for international trips.
When should I buy travel insurance? Within 14 to 21 days of the initial trip deposit. That window preserves access to CFAR, pre-existing condition waivers, and other time-sensitive coverages. Waiting until closer to departure typically eliminates those options.
Is CFAR worth the extra premium? For high-cost trips with significant non-refundable deposits, often yes. CFAR adds roughly 40% to the base premium and typically reimburses 50 to 75% of non-refundable costs for cancellations that would not otherwise be covered. For lower-cost trips, usually not.
Can I buy a single annual policy instead of per-trip policies? Yes. Annual multi-trip policies may cover unlimited trips up to a stated per-trip length, often 30 to 90 days. For frequent travelers taking multiple trips per year, annual policies typically work out cheaper and reduce the paperwork.
Does travel insurance cover trip changes for pandemic reasons? It depends on the policy and the timing. Standard cancellation does not cover fear of pandemic or government advisories. Some carriers have added specific epidemic or pandemic riders in recent years. CFAR remains the most reliable path to a partial refund for pandemic-related cancellations.
Will travel insurance cover my $15,000 watch if it gets stolen?
The baggage limit on a travel policy is typically capped at $1,000 to $2,500 total with per-item sublimits of $250 to $500. For high-value items, scheduled personal property coverage on a home or HNW private client policy usually provides better worldwide protection.
ABOUT THE AUTHOR:
Tod O’Dowd, CIC, CAPI
I'm the President of Avery Insurance Agency, a family-owned independent agency serving individuals and businesses across New England and in 40+ states. With a hands-on, consultative approach to personal and commercial risk, I help clients — from high-net-worth homeowners and contractors to restaurant owners and property managers — find the right coverage without the guesswork of working with a single-carrier agent.
What Our Clients Say
Trusted by Families and Businesses for Over a Century
Trusted by New Hampshire Families and Businesses for Over a Century
Your Life. Protected.
Complete Personal Insurance for Individuals Who Expect More
One Agency. Every Coverage You Need. No Gaps, No Surprises.
Home Insurance
Your home is your most valuable asset. Avery’s home insurance protects your property, belongings, and liability so you can feel secure no matter what happens.
High-Value Home Insurance
Own a home valued over $2 million? Our Premier Client Services program provides coverage built around high-value properties and the unique risks they carry.
Auto Insurance
Whether you drive a daily commuter, a classic car, or a motorcycle, Avery finds the right auto coverage for your vehicle and your budget.
Boat & Watercraft Insurance
From small boats on New Hampshire’s lakes to luxury yachts, Avery provides watercraft insurance covering your vessel, passengers, and liability on the water.
Umbrella / Personal Liability Insurance
An umbrella policy adds an extra layer of liability protection above your home and auto coverage. One of the most cost-effective ways to protect your financial future.
Valuable Possessions Insurance
Jewelry, art, collectibles, and other high-value items need coverage beyond a standard homeowners policy. Avery insures your most prized possessions at full appraised value.
Protect Your Business & Livelihood
Commercial Insurance Solutions Designed for New England Businesses.
Comprehensive Commercial Coverage That Keeps Your Business Running
General Liability Insurance
Protect your business from third-party claims of bodily injury, property damage, and personal injury. General liability is the foundation of any solid business insurance program.
Commercial Property Insurance
Covers your building, equipment, inventory, and other physical assets against fire, theft, vandalism, and other covered losses. Keep your business protected from the unexpected.
Workers’ Compensation Insurance
Workers’ comp covers medical costs and lost wages when an employee is injured on the job. Avery helps businesses meet state compliance requirements and manage costs effectively.
Cyber Liability Insurance
Data breaches and cyberattacks are a growing risk for businesses of all sizes. Cyber liability covers response costs, legal fees, and customer notification expenses after a security incident.
Employment Practices Liability Insurance
Covers your business against employee claims of wrongful termination, discrimination, harassment, and related issues. Essential for any business with employees.
Commercial Auto Insurance
Whether a single truck or a full fleet, commercial auto insurance protects your business against accidents, damage, and liability on the road.
We Know Your Industry
Tailored Insurance Programs for the Industries That Drive New Hampshire
We Understand the Risks Your Industry Faces — and How to Manage Them
Contractors Insurance
From general contractors to specialty trades, Avery understands the unique liability and property exposures your business faces on every job site in New England. We build coverage programs that keep your crew and company protected.
Restaurants & Hospitality
Restaurants, hotels, and marinas face distinct risks — from slip-and-fall liability to liquor liability and food spoilage. Avery designs coverage programs for the specific needs of the hospitality industry.
Real Estate & Property
Whether you own a portfolio of investment properties or manage a condo association, Avery provides the right mix of property, liability, and management coverage to protect your real estate investments.
We Make It Simple
Getting Covered with Avery Is Easy
Step 01
Connect with an Avery Advisor
Call, email, or request a coverage online and we will respond the same business day.
Step 02
We Build Your Coverage Plan
We shop top-rated carriers, compare your options, and recommend the best fit for your needs.
Step 03
You Get Protected and Stay Protected
We place your coverage, review it annually, and advocate for you if you ever need to file a claim.
Let’s Clear Things Up
Got Questions? We’ve Got Answers.
Straight Answers From the Advisors Who Know This State Best
What does it mean that Avery is an independent insurance agency?
An independent agency like Avery is not tied to any single insurance company. We represent multiple top-rated carriers, which means we can shop the market on your behalf and recommend the coverage that truly fits your needs — not the one that benefits any single insurer.
This independence gives you access to more options and unbiased advice. Our advisors are compensated to serve your interests, not to push a specific product. That is a significant advantage over captive agents who can only offer one carrier’s policies.
How much does it cost to work with an Avery advisor?
There is no direct cost to you for working with an Avery advisor. Independent agents are compensated through commissions paid by the insurance carriers when a policy is placed. You receive expert guidance, market comparisons, and ongoing service at no extra charge.
In fact, many clients find that working with Avery saves them money. Our advisors know how to identify the right coverage levels so you are not paying for protection you do not need, and you are not left exposed where you do.
Does Avery help with claims?
Yes — and this is one of the most important things that sets Avery apart. When you have a claim, our in-house claims advisors go to work for you. We guide you through the process, communicate with the insurance company, and advocate for a fair and timely outcome.
Several of our team members hold professional claims designations, including AIC and AINS. We do not just help you file paperwork — we actively represent your interests to make sure you receive the full benefit your policy provides.
Where in New Hampshire does Avery provide coverage?
Avery serves clients throughout the state of New Hampshire from our offices in Wolfeboro and Portsmouth. Whether you live in the Lakes Region, the Seacoast, the White Mountains, or the Merrimack Valley, an Avery advisor is ready to help you find the right coverage.
Our advisors understand the specific risks that come with living and doing business in New Hampshire — from harsh winter weather to seasonal watercraft exposure. We apply that local knowledge to every coverage recommendation we make.
How does Avery handle high-value homes and assets?
Avery offers a dedicated Premier Client Services program for clients with homes valued over .5 million, significant investment portfolios, fine art collections, jewelry, yachts, and other complex assets. This program pairs you with a specialist who understands the unique risks of high-net-worth households.
Through carriers that specialize in high-value personal lines, we provide guaranteed replacement cost coverage, agreed value policies, and comprehensive risk management strategies. Your advisor will conduct a detailed review of your full asset portfolio to make sure nothing is overlooked or underinsured.
How often should I review my insurance coverage?
Avery recommends a full coverage review at least once a year. Major life events — buying a home, starting a business, adding a vehicle, getting married, or making significant home improvements — are all good triggers for an immediate review outside your annual cycle.
Insurance needs change over time, and policies that were right for you a few years ago may leave gaps today. Avery advisors proactively reach out to clients for annual reviews and keep up with changes in the insurance market that could affect your coverage or premium. Our goal is to make sure you are always protected and never paying for coverage that no longer fits.
Insurance Tips & News
Stay Informed with the Avery Blog
Practical Insurance Advice for New Hampshire Families and Business Owners
Contact Us
Portsmouth (HQ)
7 Islington St #102, Portsmouth, NH 03801
Phone Number: 603.766.3733
Wolfeboro
21 S Main Street, Wolfeboro, NH 03894
Phone Number: 603.569.2515