Travel insurance protects the money you have already paid — flights, hotels, tours, cruises — plus your health while you’re away from home. Your personal insurance and standard health plans often don’t cover medical care outside the US, and Medicare almost never does. Safenet Insurance Group writes travel insurance for NC residents traveling domestically and internationally. Call (336) 280-4606 or quote online.
What Travel Insurance Covers
- Trip cancellation — reimburses non-refundable costs if a covered reason (illness, injury, death in family) forces you to cancel
- Trip interruption — pays if you must return home mid-trip
- Emergency medical — pays for hospitalization, doctor visits, prescriptions abroad
- Emergency medical evacuation — often $100k+ per event; can cost $50k-$200k without coverage
- Baggage loss and delay — reimburses lost, delayed, or damaged baggage
- Travel delay — covers hotel and meals when flights are delayed 6-12+ hours
- Cancel For Any Reason (CFAR) — pays 50-75% of costs if you cancel for any reason (must be purchased within 14-21 days of first trip payment)
Trip Types We Cover
- International vacations and family trips
- Cruise trips (Caribbean, Alaska, transatlantic)
- Adventure and adventure sports travel
- Business travel with personal add-ons
- Study abroad and long-term travel
- Annual / multi-trip policies for frequent travelers
When to Buy
Buy travel insurance within 14-21 days of your first trip payment. This window is required for CFAR, pre-existing condition waivers, and financial default coverage. If you wait until closer to departure, you lose those upgrades.
Frequently Asked Questions
Does travel insurance cover COVID-19?
Most policies now include COVID as a covered illness if you contract it before or during your trip. CFAR upgrades let you cancel for COVID-related concerns even when other travelers can still go.
Does my health insurance work abroad?
Rarely. Most US health plans (including Medicare) have very limited or no international coverage. Emergency medical + evacuation coverage is often the most important travel benefit.
How much does travel insurance cost?
Typically 4-10% of your prepaid, non-refundable trip cost. A $5,000 vacation runs $200-$500 for comprehensive coverage.
Get a Travel Insurance Quote
Call Safenet Insurance Group at (336) 280-4606 or quote online.