Financial Insurance

Travel Insurance

Since 1953, Oyer, Macoviak and Associates has helped clients compare travel insurance options with guidance from an independent agency. Tell us what you need once, and our team can help review available options from more than 30 rated insurance companies.

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Travel Insurance Guidance From an Independent Agency

Travel should be about experiences, not confusion over what may happen if a trip is delayed, interrupted, or affected by an unexpected event. Travel insurance can help address certain covered costs depending on the policy, plan, and situation.

Whether you are planning a weekend getaway, a family vacation, a cruise, or an international trip, travel insurance is worth reviewing before you leave home.

What Is It?

It is a specialized type of coverage designed to help with certain covered losses or unexpected events that can disrupt a trip. Depending on the plan, it may include benefits for trip cancellation, travel delays, lost luggage, medical emergencies abroad, emergency evacuation, and more.

Unlike medical or homeowners insurance, travel insurance is optional. The right fit depends on your trip, destination, health concerns, prepaid costs, and the policy details.

Travelers reviewing travel insurance before an international trip

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Compare Travel Insurance Options

Trips can be expensive: flights, hotels, tours, rental cars, cruises, and special activities add up fast. Travel insurance may help when certain covered problems affect your trip, such as:

It can also provide a clearer plan for what to do if something goes wrong, depending on the coverage selected.

Frequently Asked Questions About Travel Insurance

01What can travel insurance help address?

Depending on the plan, travel insurance may include benefits for covered trip cancellation or interruption, delays, baggage, emergency medical care, or evacuation.

02When should I buy travel insurance?

Buying soon after the first trip payment may preserve access to certain time-sensitive benefits. Review the plan's purchase deadlines and effective date.

03Are pre-existing medical conditions covered?

Some plans offer a pre-existing condition waiver when specific requirements and purchase deadlines are met. Coverage varies, so review the plan language carefully.

04What documentation may be needed for a claim?

A claim may require receipts, itineraries, cancellation notices, medical records, carrier statements, police reports, and proof of the covered reason for the loss.

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