Tips for Insuring Different Types of Trips

We’ve spent a lot of time lately discussing the importance of travel protection and the specific coverage required by different types of trips. Whether you're staying in an Airbnb, hitting the road for a scenic drive, or setting sail on a cruise, let’s have a look at how you can be sure to secure the best protection for your travel needs before you embark on your next adventure.

Airbnb Stays

Check the Host’s Protection Policies

Before booking an Airbnb, it’s important to understand what protections the host offers. Some hosts provide coverage through Airbnb’s Host Guarantee, which may cover certain damages, but it’s not a substitute for travel protection.

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• Read the Listing Carefully: Some properties may have their own protection plans or exclusions that could affect your stay.
• Understand the Cancellation Policy: Airbnb offers multiple cancellation policies ranging from flexible to strict. Booking a stay with a more lenient policy can provide additional flexibility in case your plans change.

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Consider Additional Travel Protection

While Airbnb offers some level of security, you may still need extra coverage for unexpected issues:

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• Trip Cancellation & Interruption: If you need to cancel or cut your trip short due to a covered reason, this protection helps you recover non-refundable expenses.
• Baggage & Personal Effects: Provides protection against stolen, lost, or damaged belongings while staying in a rental.

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Why It Matters

Unlike hotels, Airbnb stays involve private hosts who may not have the same level of service or security. By adding travel protection such as our Worldwide Trip Protector Platinum or Deluxe Plans, you can help protect your stay is from unexpected cancellations, damage, or emergencies.

Road Trips

Review Your Auto Protection Policy

Before hitting the road, check your existing auto protection policy to see what it covers:

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• Rental Car Coverage: If you’re renting a car, ensure that your policy or credit card offers collision damage coverage. If not, consider adding rental car protection.
• Liability Protection: This covers damages to others in case of an accident.
• Roadside Assistance: Helps with towing, jump-starts, lockouts, and flat tires.

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Our Worldwide Trip Protector Plans offer optional bundles you can add to your base plan for an additional cost if you’re looking for more robust travel protection in a certain area. For example, with the Platinum plan, our Rental Car Damage & Theft Coverage bundle covers you up to $50k.

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Whether you’re planning to hit the open road for a scenic multi-day journey or rent a car so you have the freedom to explore your destination, extra coverage can help you avoid paying out-of-pocket for expenses that arise from unexpected circumstances.

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Additional Travel Protection for Road Trips

Beyond car-related protections, there are other factors to consider:

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• Trip Cancellation & Interruption: Covers expenses if your trip is delayed or canceled due to a covered reason.
• Baggage & Personal Effects: Protects belongings in case of theft or damage.
• Medical Expense Protection: Provides coverage for unexpected medical emergencies while traveling.

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Why It Matters

Road trips come with unpredictable elements, from car trouble to sudden weather changes. Having the right travel protection ensures you’re prepared for any bumps in the road.

Cruises

Compare Cruise Protection Plans

Cruise lines may offer their own travel protection, but it’s essential to compare these plans with third-party options. Cruise plans may have limitations, so consider:

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• Medical Evacuation & Repatriation: Essential for covering emergency evacuations at sea.
• Trip Cancellation & Interruption: Can cover canceled or missed departures.
• Missed Connection Coverage: Can help if a delayed flight causes you to miss your cruise departure.

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Consider Special Coverage for Cruises

Cruises have unique risks, so extra protection can be beneficial:

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• Baggage Delay & Lost Luggage: Protects against lost or delayed luggage during your trip.
• Pre-Existing Condition Exclusion Waiver: Provides coverage for medical conditions if purchased within the required timeframe and you are medically able and not disabled from travel at the time your plan cost is paid.

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For anyone getting ready to sail away, our Worldwide Trip Protector Plans have an optional add-on cruise bundle that includes trip cancellation and interruption, baggage delay, itinerary change, travel inconvenience, and even additional trip interruption for shore excursions.

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Why It Matters

In the event of an unexpected medical emergency, cruise travelers may face unique complications due to the logistical challenges of being at sea. Having robust travel protection with our optional add-on cruise bundle can help cover unexpected disruptions and help you enjoy your vacation with less stress.

Protection as Unique as Your Itinerary

Whether you’re staying in an Airbnb, driving cross-country, or setting sail on a cruise, taking the time to assess your coverage needs and securing travel protection early on can make your upcoming adventure even more enjoyable.

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Get a fast, convenient online quote for a travel protection plan that suits your specific needs and covers all your bases.