Your Destination Station
We booked a $3400 trip a year in advance. When our son was diagnosed with cancer, it was such a relief to get the money back. We really needed it for medical bills. - Sam G.
When my luggage didn't arrive, I had to buy new everything. Got $800 for items and allowance for new luggage! - Courtney T.
We don't know what we would have done without our travel insurance. Saved us so much money. - Linda D.
I had a nonrefundable cruise. My insurance kicked in when I had to cancel, got all but my premium back! - Margaret M.
What Plan Is Right For You?
I was grateful to have travel insurance to cover my $5000 cancelled trip when I got sick and was hospitalized. - Mark M.
Coverage Options: Air Only, In Destination Only, Medical, CFAR (cashback for any reason), Travel Credit Issued.
Issuers: Supplier offered, Third Party offered, Credit Card offered.
When our plane was delayed overnight, it was nice to get all my costs reimbursed. My food, hotel, and Uber back to airport the next day. - Christie K.
Determining your need for travel protection can seem unnecessary and even daunting at first. With so many options, rules, and fine print to sift through, it’s easy to feel overwhelmed or unsure if it’s really worth it. However, understanding how vital it is to protect your travel investment can make all the difference when the unexpected happens. Travel protection offers peace of mind by covering things like trip cancellations, medical emergencies, lost luggage, and more, helping you avoid costly losses and stress. Taking the time to explore your options ensures that your journey is not only memorable but also protected from the unforeseen.
At Your Destination Station, we firmly believe it is important to help our clients understand the process and possible loss. Take a look at our checklist to help you determine what's best for you!
✅ Travel Insurance Consideration Checklist
1. Total Trip Cost
Add up all prepaid, non-refundable expenses (flights, tours, hotel stays, cruises) to know how much financial protection you may want to cover.
2. Health Insurance Coverage Abroad
Check whether your current health insurance covers medicalMedical Needs & Pre-Existing Conditions. Do you or anyone traveling with you have health conditions that require a waiver or additional coverage? Emergencies in your travel destination, especially internationally.
3. Financial Risk Tolerance
Ask yourself: If something goes wrong, how much can I afford to lose without insurance?
4. Cancellation Concerns Think about reasons you might cancel—work, illness, pregnancy, family emergencies—and whether you need standard cancellation or “Cancel For Any Reason” (CFAR) coverage.
​5. Activities Planned
Will you be doing activities such as scuba diving, skiing, or zip lining? You may need adventure or sports coverage.
6. Travel Companions
Are you traveling solo, as a family, or with a group? Consider coverage for each traveler or a group plan.
7. Type of Trip
Are you taking a cruise, international tour, adventure trip, or luxury vacation? Certain types of travel may require specialized covera
8. Baggage & Personal Belongings Value
Estimate the value of luggage, electronics, and personal items in case of loss, theft, or delay.
9. Trip Length
Longer trips may require higher medical or evacuation limits, as well as coverage for extended stays.
10. Existing Benefits
Check if your credit card, travel supplier, or employer already provides some coverage, so you don’t duplicate benefits.
11. Destination Risks
Consider the location—are you traveling somewhere with high medical costs, natural disaster risks, political instability, or limited healthcare access?