A multi-destination policy should include the same protections as standard travel insurance, whether you choose single-trip coverage or an annual plan for frequent travelers. We’ve detailed what multi-destination policies typically cover below:
Trip Cancellations, Interruptions and Delays
Trip cancellation coverage offers reimbursement of nonrefundable, prepaid costs if your trip gets canceled for a covered reason, typically before departure. Trip interruption coverage will reimburse costs if your trip is cut short due to an incident outlined in your insurance policy, such as a flight delay. In both cases, you would receive partial or full reimbursement for flights, accommodations or other costs.
Travel delays coverage offers protection if you miss booked transport for reasons outside your control, including flight connections. Often if you experience a trip delay, your insurance providers may reimburse you for lost costs plus additional expenses incurred due to the interruption. For example, your provider may pay for food or lodging you book while delayed, or cover the cost of a new airline ticket.
Cancel For Any Reason Coverage
Also known as CFAR, cancel for any reason coverage allows you to cancel your trip for reasons outside those specified in your travel insurance plan. You will receive a refund of any prepaid costs up to a certain limit, as outlined in your policy. Providers often set a minimum period of time in which you can use CFAR coverage to receive a refund.
Most standard insurance policies do not automatically include CFAR coverage, but rather offer it as a policy add-on for extra money.
Emergency Medical Coverage
Multi-destination insurance with travel medical coverage will help cover the cost of emergency medical expenses you incur while traveling. Covered costs may include the following:
- Emergency medical expenses, such as staying in a medical facility, ambulance fees or emergency assistance
- Medical care or treatment for an injury or illness
- Emergency medical evacuation coverage
- Repatriation of remains
Insurance providers may also offer add-on coverage for accidental death and dismemberment. Keep in mind that U.S.-issued health insurance may not work on an international trip. Without travel insurance, you would have to cover health care expenses out of pocket.
Lost, Damaged or Delayed Baggage
Baggage coverage is included in multi-destination insurance plans to offer reimbursement if your luggage is lost, damaged or delayed. Your policy will allow reimbursement up to a certain limit, which will vary depending on the insurance plan you select.
Other Travel Insurance Benefits
In addition to standard protections, more comprehensive policies may include other coverages such as rental car damage, travel assistance services and sporting gear rentals. While some policies include extra coverage in the total cost, other companies may offer benefits as policy add-ons.