Travel Insurance Course
Who it’s for: Anyone planning a costly, prepaid or international trip, including cruises and tours.
Work through the modules in any order. Each lesson, term, and scenario counts once you’ve actually read it, and the course is complete when everything is done and you pass the final assessment.
What you’ll be able to do
You know which coverage your trip needs, what you already have, and how to buy a policy that pays for the risks you actually face.
Key numbers
- 4% to 10%Usual cost of travel insurance, as a share of the trip's price
- Two weeksAn example window after your deposit to buy a policy that may cover pre-existing conditions
- Just over 6%Share of travel insurance benefits bought that were medical and evacuation coverage, per a report cited by Triple-I
Module 1
Do you need travel insurance?
What travel insurance covers, whether it's worth it for your trip, and how your health coverage works away from home.
Module 2
Cancellations and conditions
Covered reasons, cancel for any reason coverage, pre-existing conditions, and why a cruise line's waiver isn't insurance.
- LessonWhat Reasons Does Trip Cancellation Insurance Cover?
- LessonCancel for Any Reason (CFAR) Travel Insurance: How It Works and What It Pays
- LessonDoes Travel Insurance Cover Pre-Existing Conditions?
- LessonCruise or Tour Cancellation Waiver vs. Travel Insurance: What's the Difference?
- TermTrip Interruption Coverage
- TermCancel for Any Reason (CFAR)
- TermPre-Existing Condition Waiver (Travel)
- TermCancellation Waiver (Travel)
Module 3
On the trip
Lost or stolen luggage, and the policies you already have that travel with you.
Final assessment
6 questions across the whole course. Score 70% or more, with every module item done, to complete the course. Retake it as often as you like: each retake gives you new versions of the questions you’ve seen, and getting those right raises your Insurance IQ.
Take the assessment →Your insurance checklist
- Add up your prepaid, nonrefundable trip costs.
- Check how your health plan or Medicare covers care away from home and abroad.
- Check your homeowners or renters policy for belongings on the trip, and your credit card's travel benefits.
- If you have a medical condition, buy soon after your first deposit to get any pre-existing condition waiver.
- Read the policy's list of covered reasons before you buy.
Questions to ask your insurer
- Which reasons for canceling or cutting short my trip are covered?
- Do you offer a pre-existing condition waiver, and what's the deadline?
- What are the medical and medical evacuation limits?
- Does the policy cover my destination and activities?
- What does cancel for any reason coverage cost, and what percentage does it repay?
- Are epidemics or known events excluded?
- How do I file a claim, and what proof do I need?
Where to go next
Educational information, not advice: This course is general education, not legal, financial, or insurance advice. Coverage depends on your policy’s wording, your insurer, and the laws of your state. Insurpedia does not sell insurance and does not recommend specific insurers.