What does travel insurance cover? Here’s what’s included.

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November 2, 2026 / 2:14 PM EST / CBS News

Travel insurance coverages can help protect against trip cancellation, interruption, or delay; baggage loss; emergency medical expenses and evacuation; or sometimes even rental cars or entire groups traveling together. Some insurers even offer specialized coverages for items like cruises or high-risk activities.

Below, we'll detail what travel insurance typically covers, where it's limited, and what to expect if you buy a policy for your next trip.

Learn more about your travel coverage options online now.

One of the most basic coverages of travel insurance is trip cancellation, which reimburses you for certain expenses if something prevents you from taking all or some of a trip. This could be due to sickness, a death in the family, jury duty, airline flight changes, or other scenarios. It can also cover delays and interruptions for trips, including ones that force you to stay at a hotel (for example, if your flight is delayed until the next day).

Trip cancellation/interruption coverage accounted for almost 95% of travel insurance expenditures, according to the U.S. Travel…

Original source: https://www.cbsnews.com/moneywatch/