Travel insurance can reimburse non-refundable costs when you cancel for a covered reason and can cover medical emergencies abroad. It is optional, and policies differ widely, so read the exclusions.
Types of coverage
- Trip cancellation. Reimburses prepaid, non-refundable costs if you must cancel for a covered reason, such as illness or a death in the family.
- Trip interruption. Helps if your trip is cut short.
- Medical and evacuation. Covers emergency care abroad, which your regular health plan may not.
- Baggage and delay. Covers lost bags or long delays.
What is usually excluded
Changing your mind, pre-existing conditions (unless a waiver applies), and events that were already foreseeable when you bought the policy. Always read the definition of covered reasons.
When it is worth considering
Expensive non-refundable trips, travel to remote regions, long international trips and trips with older travelers are common cases. For a flexible domestic fare, it may not be worth it.
Credit card coverage
Some credit cards include limited trip protection when you pay with the card. Check your card's benefits guide for the details and limits.
When to buy
Buying shortly after your first trip payment typically gives broader coverage. Ask us about options at the time you book, and compare any plan with the airline's own refund rules in our policy.
Frequently asked questions
Is travel insurance required?
No. It is optional for flights, though some countries require medical coverage for entry.
Does insurance cover a canceled flight?
If the airline cancels, you are generally entitled to a refund from the airline. Insurance may cover related costs, depending on the policy.
Keep reading
Last reviewed October 22, 2026. FlighTicketHub provides general information; confirm details with the airline before you travel.