Why Travel Insurance Matters-Wherever You Roam

At RWM Travel, we believe every journey should be as carefree as possible. Whether you’re exploring the wonders of your own country or venturing across the globe, travel insurance is your essential safety net. Why? Because even the best-planned adventures can encounter the unexpected-delays, cancellations, lost luggage, or sudden illness. Travel insurance can protect your investment and your peace of mind, both domestically and internationally.

Major Coverages: What Does Travel Insurance Offer?

Travel insurance isn’t just a single product-it’s a suite of protections designed to keep your trip on track:

• Trip Cancellation & Interruption: Reimbursement if you need to cancel or cut your trip short due to covered reasons such as illness, family emergencies, or severe weather.

• Emergency Medical Coverage: Pays for medical treatment if you get sick or injured during your trip-especially crucial abroad, where your regular health insurance may not apply.

• Baggage Loss or Delay: Compensation for lost, stolen, or delayed luggage, so you’re not left without essentials.

• Travel Delay: Covers extra expenses if your travel is delayed due to circumstances like weather or mechanical issues.

• Emergency Evacuation & Repatriation: Covers the cost of being transported to a suitable medical facility or back home in case of a serious emergency.

Credit Card Travel Protection vs. Traditional Travel Insurance

Feature	Credit Card Travel Protection	Traditional Travel Insurance
Cost	Included with card	Separate purchase (4–12% of trip cost)
Trip Cancellation	Limited, lower caps	Broader, higher limits
Medical Coverage	Rarely included	Comprehensive, including evacuation
Coverage Triggers	Must use card for booking	Covers all trips, regardless of payment method
Flexibility	Fewer covered reasons	More reasons covered, including "Cancel for Any Reason" options

While credit card travel protection is a nice perk, it often has significant gaps-especially for medical emergencies and evacuation. Traditional travel insurance offers broader, more robust coverage, making it a better fit for international and high-value trips.

Cruise Line Travel Protection vs. Traditional Travel Insurance

Feature	Cruise Line Protection	Traditional Travel Insurance
Cost	Often higher (7–9% of trip cost)	Competitive, more options
Coverage Scope	Limited to cruise-related issues	Covers entire trip, including pre/post-cruise travel
Medical/Evacuation	May be limited, often only on board	Comprehensive, including off-ship incidents
Flexibility	Fewer covered reasons, less customization	More customizable, broader triggers

Traditional travel insurance typically offers better value and more comprehensive protection for cruise vacations, especially if your trip includes flights, hotels, or excursions outside the cruise line’s purview.

Medical Coverage Abroad: Don’t Assume You’re Protected

Many travelers are surprised to learn that their domestic health insurance, including Medicare and Medicaid, does not cover them outside the United States. Even private insurance plans may exclude international coverage or limit it to emergencies only. That means a medical mishap abroad could result in significant out-of-pocket costs unless you have travel insurance with emergency medical and evacuation coverage.

Annual Plans: For the Frequent Traveler

If you travel multiple times a year, consider an annual travel insurance plan. These plans cover all your trips within a 12-month period, offering convenience and savings compared to buying separate policies for each journey. It’s ideal for business travelers, snowbirds, or anyone with a passion for frequent exploration.

Beyond the Basics: Extra Perks of Travel Insurance

Many travel insurance policies offer more than just financial protection:

• Concierge Services: Assistance with restaurant reservations, event tickets, and travel arrangements.

• 24/7 Emergency Assistance: Help with lost passports, legal referrals, and emergency cash transfers.

• Travel Assistance: Guidance during disruptions, medical referrals, and translation services.

These services can be invaluable when you’re far from home and need expert help fast.

Let RWM Travel Guide Your Protection

At RWM Travel, your safety and satisfaction are our top priorities. We include a complimentary travel insurance quote with every travel package we sell and are here to help you choose the policy that best fits your needs. Let us handle the details, so you can focus on making memories-worry-free.

Travel smart. Travel protected. Travel with RWM Travel.