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Before traveling, Dartmouth Travelers must determine if a location they are traveling to requires a " Travel Exception ". Participating in Dartmouth Travel without an approved Travel Exception when one is required is prohibited; expenses for such travel will not be covered by Dartmouth according to the Travel Safety Policy .

The Global Dartmouth Travel Registry ("Travel Registry") is used to assist in identifying the needs of Dartmouth Travelers in the event of an emergency. Registration in the Travel Registry is required for all Dartmouth Travelers traveling to international locations.

For more information go to Global Dartmouth's Travel Safety Policy and Resources . 

Booking Travel

Concur travel leaders program.

Travel Leaders is our contracted vendor, however, you may choose to book your own travel or work with a different agency. Travel Leaders has dedicated agents that are assigned to Dartmouth to provide a high level of service. Travel Leaders also provides an online booking tool for domestic and international travel arrangements that do not require agent assistance.

Note: Travel Leaders’ SAP Concur Travel Portal now requires 2-factor authentication (2FA) when signing into www.concursolutions.com on the web or on the mobile app. By setting up 2FA, you add an extra layer of security to your SAP Concur account sign in. Once 2FA has been set up, you will first enter your SAP Concur password. When prompted, you will provide a verification code that is dynamically generated by an authenticator app or sent to your phone.

If you do not have a phone or do not want to download an authenticator app to your mobile phone, you can use an authenticator app within your browser such as Google Chrome or Microsoft Edge .

For additional guidance go to: Enrollment into Two-Factor Authentication (2FA) Guidance (PDF)

Contact Information

• For Reservations: (603) 646-3900 or (800) 284-1647
• For Technical Services: (866) 502-1926
• E-mail: [email protected]  

Travel Portal

To login for the first time.

• Go to: https://concursolutions.com
• Click the "Forgot your Password?" link
• On the next screen, enter your User Name (your [email protected])
• Select: "send me an email to reset my password." Complete this page and submit.
• An email will be delivered with a link to reset / create your unique password.
• Once you create the new password you will see a new screen with a QR code presented. See Enrollment into Two-Factor Authentication (2FA) Guidance to select your method of enrolling.
• Once authenticated you will be directed to the Concur site.

To Book Travel or View Your Profile

• Enter your Username ([email protected]) and the unique password created.
• If you have not previously enrolled in the Two-factor Authentication you will see a new screen with a QR code presented. See Enrollment into Two-Factor Authentication (2FA) Guidance to select your method of enrolling.
• If you have enrolled in the the Two-factor Authentication, go to your authentication application to retrieve your 6-digit authentication code and enter it into Two-factor Authentication screen and click sign-in.
• Browse travel options and follow prompts to book.
• Before booking travel online or with an agent, go to the Profile link on the top left side of the page and review ALL areas of the profile. SAVE once if new information is added to the profile pages.
• A recorded training session is posted on the Concur Company Notes page. Contact the TLC eCommerce team for all navigational and technical assistance with online booking.

Enrollment into Two-Factor Authentication (2FA) Guidance (pdf)

By setting up 2FA, you add an extra layer of security to your SAP Concur account sign in. Once 2FA has been set up, you will first enter your SAP Concur password. When prompted, you will provide a verification code that is dynamically generated by an authenticator app or sent to your phone.

Group Booking

Use the Travel Group Booking Form when requesting a quote for group travel from Travel Leaders.

Booking Travel for Non-Dartmouth Employees

You can book travel for someone that does not work at Dartmouth, however, you will not be able to utilize the Concur website to book travel, you will need to call the 800 # and work directly with an agent.

Dartmouth employees can contact Travel Leaders agents for booking personal travel. The transaction fees for booking through the agents is $26 per transaction. Fees are only charged when a ticket is purchased.

In addition, Dartmouth employees will be eligible to use Travel Leaders Vacation Club services for access to vacation packages. There are no transaction fees when vacation packages are purchased through this service.

To talk to a Vacation Club agent please call (866) 502-1931 or visit the Vacation Club website .

The online booking tool cannot be used for personal travel.

If you have questions regarding how to navigate through the online system or how to enter your profile please contact Travel Leaders Online Support Team at (866) 502-1926 or [email protected] or Procurement Services at (603) 646-3878.

Transportation Options & Information

• Dartmouth Coach

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• Enterprise - VOX Car Rental Program
• Domestic Rental Vehicles
• Rental vehicles for international travel should be obtained through Travel Leaders. They will ensure that you are receiving the best possible rates through a reputable rental agency.
• Dartmouth departments can make arrangements for local car services through Travel Leaders with Manchester Black Car (Amoskeag), with Grace Limo or with Door to Door Driving Services (previously North Country). You must have a credit card on file to reserve car service and charges will be billed directly to that card. Call a Travel Leaders agent at (603) 646-3900 or (800) 284-1647 and provide them with the name of the traveler, dates, pick-up and drop off locations and credit card to be charged. 
• Grace Black Tie Limousine: Contact Monica Brunnegraff.   Email: [email protected]   or call 603-666-0203
• Door to Door Driving Services (previously North Country): Contact Mark Chesnut.  Email: [email protected]   or call (603) 448-0538 / (603) 996-1522
• Hanover Limo:  Contact: Khalid Ahson. Email: [email protected] or call (603) 298 8880
• Boston's Logan International Airport (BOS)
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When traveling with equipment it is recommended that you do not pack a computer or any other type of electronic equipment in your suitcase. The equipment should be with your carryon luggage at the security checkpoint and made available for scanning if so requested. Security may also request that you turn on the equipment.

Keep in mind that technology, data or other items that you may want to bring with you when traveling abroad could be export controlled and you may require a license. For further information on export controls and travel please contact the Research Compliance Office at 603 646 0239.

Resources & Policies

The Business Expense Policies provide specific requirements for Dartmouth College travel and other business expenses.

The College’s total travel accident insurance coverage includes a principal benefit of $750,000 per insured person. There is an aggregate coverage of $10,000,000 for thirteen or more people traveling together on related business. Utilizing the JPMorganChase Corporate Card provides an additional $500,000 coverage. If you do not use the College Travel Office or the JPMorganChase Corporate Card when making alternative travel arrangements, you will be waiving the $500,000 additional insurance death benefit. Additional flight insurance individually purchased by employees is not a reimbursable expense.

After Hours Emergency Service

Domestic travel.

In case of an emergency outside of the normal business hours of 8:00 am - 8:00 pm Monday-Friday, 10:00 am - 6:00 pm Saturday (EST), contact Travel Leaders Emergency Services at (800) 284-1647.

International Travel

Dartmouth recognizes that in this rapidly changing world, you may have apprehension about travel, security, and health. It is for these reasons that the College has contracted for international travel assistance and evacuation services from a company called International SOS. For additional information, please visit Risk Management & Insurance or contact them at (603) 646-2441. There is also a local contact emergency phone number on your itinerary from Travel Leaders.

International SOS Program

Dartmouth Travel Assistance Program

To assist Dartmouth travelers in coping with the risks of travel, Dartmouth has partnered with International SOS  to provide travel, medical, and security assistance.

Important considerations or services associated with the program are:

• Eligible individuals are Dartmouth students, faculty, staff, volunteers, chaperones, and alumni while on Dartmouth business and dependents while traveling with a covered employee.
• Pre-trip information and consultation on travel health and security issues
• Medical, dental, and counseling referrals
• Emergency and routine medical advice
•  Enhanced emotional support services (pdf)
• Medical monitoring/case management – fee charged to traveler
• Dispatch of medication and medical supplies – fee charged to traveler
• Guarantee of payment to medical providers – fee charged to traveler

NOTE: Direct payment to providers can avoid ISOS fees (minimum charge is $205.00)

• Emergency personal cash advances – fee charged to traveler
• Emergency evacuation and security support
• Medically supervised repatriation
• ISOS is not a health insurance provider – charges incurred by traveler are traveler's responsibility and will need to be submitted to traveler's health insurer for reimbursement.
• Travel Restrictions: Restrictions apply to travel to Haiti, Iran, Afghanistan, Iraq, North Korea, and Cuba.  Contact Risk Management & Insurance or call 603-646-2442 regarding any travel to the noted countries.
• Dartmouth community members are eligible for discounted personal travel coverage by visiting ISOS membership or calling 1-800-523-8662.

This summary of the Dartmouth Travel Assistance Program does not constitute a promise of benefits.  Please refer to ISOS for a complete description of terms, conditions, limitations, and charges.

Dartmouth employees insured through Dartmouth's Cigna plan are covered under Cigna's Medical Benefits Abroad plan (Cigna MBA). See Cigna International Coverage link below.

Related Links

• Travel Safety & Resources
• International SOS Dartmouth Member Portal and ID Card
• Office of Visa and Immigration Services
• State Department Travel Advisories
• World Health Organization
• DHMC International Travel Clinic
• Dartmouth College Benefits Office Cigna International Coverage

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Summary of policy.

This policy pertains to compensation for work related travel for Dartmouth employees.

Affected Parties

Policy statement.

Dartmouth College Employment Policies and Procedures Policy last updated: January 23, 2014  

Applies to: All hourly employees (non-exempt)

Hourly employees are compensated for all worked time at their regular hourly rate. If an employee's work and travel time exceed 40 hours a week (Sunday to Saturday), he or she is eligible for overtime and will be paid at 1½ times his or her regular hourly rate. Where an employee is required to attend meals, receptions, or functions as part of an event or required program, he or she will be paid for hours worked. Time spent in training programs and lectures is paid work time.

Expenses incurred while traveling for the College, including mileage, are reimbursable.

Managers should encourage employees who often use their personal vehicle for College business to receive driver certification and rent a Vox car when appropriate.

Travel Accident Plan-Benefit

Regular eligible employees receive travel accident insurance coverage to protect them while they travel on College-related business. The employee's coverage amount varies based on his or her mode of transportation and the type of injury potentially incurred. Employees are automatically enrolled in the plan, effective on their date of hire. 

Documentation:

The Business Expense Policy can be found on the Finance Center Web site:

http://www.dartmouth.edu/~fincenter/

Please refer to Hours of Work and Overtime policies for hourly employees

https://policies.dartmouth.edu/policy/hours-work

https://policies.dartmouth.edu/policy/overtime

Information on Dartmouth's driver safety program, including approved driver certification, necessary to operate College owned or leased vehicles, is located at: https://policies.dartmouth.edu/policy/dartmouth-driver-policy

Effective Date

Last revised date, office of primary responsibility, last reviewed date, next review date.

Navigating Your Way to the Best Travel Insurance: A Comprehensive Guide

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• Travel insurance is not just an afterthought; it’s your all-encompassing safety net on the road.
• The best travel insurance isn’t always the priciest—it depends on your unique travel needs.
• Statistics reveal a rising trend in travel insurance purchases.
• Choosing travel insurance involves scrutinizing the policy fine print.
• When chosen wisely, travel insurance can save you from significant financial distress.

Demystifying Travel Insurance

According to a report by Squaremouth, as of 2020, 27% of travelers bought travel insurance for their trips-a significant increase from the previous years. The surge in numbers indicates growing awareness among travelers about the importance of a safety net while on the go. But what exactly is travel insurance, and why do you need it?

Travel insurance is a type of policy that covers unforeseen travel-related issues such as trip cancellations, medical emergencies, baggage loss, and more. As Megan Moncrief , Chief Marketing Officer at Squaremouth, aptly puts it, “Travel insurance is really an all-encompassing safety net. It’s the one thing that can cover you for everything from a cancellation to a medical emergency.”

Busting the Myth: Is More Expensive Always Better?

Contrary to popular belief, the best travel insurance isn’t necessarily the most expensive one. The trick lies in aligning the insurance with your specific travel needs. Consider your destination, duration of your trip, planned activities, and your health conditions. These elements can drastically affect what kind of coverage you’ll need. For instance, if you’re planning a ski vacation, you might want a plan that includes emergency evacuation from a mountain-something your standard policy may not cover.

The Secret Sauce: Deciphering Travel Insurance

Understanding travel insurance policies can be akin to reading ancient hieroglyphics. Yet, knowing what to look for can significantly simplify this process. Pay particular attention to these details:

• Coverage : Make sure it includes medical emergencies, trip cancellations, delays, and lost or stolen possessions.
• Limits : Check if the coverage limits are enough to cover potential costs.
• Exclusions : Look out for policy exclusions, such as pre-existing conditions or adventure sports.
• Deductibles : Find out if you’re required to pay out-of-pocket before the coverage kicks in.

When the Unexpected Strikes: Claiming Your Insurance

In the unfortunate event of needing to claim your travel insurance, knowing what to do can expedite the process. Always keep a copy of your policy with you . Inform your insurer as soon as possible, provide all necessary documentation, and stay patient-sometimes, it can take a while to process your claim.

The Power of Reviews: Learning from Other Travelers

Just as you’d check hotel reviews before booking , read up on other travelers’ experiences with their insurance providers. Look for companies that have a good reputation for handling claims quickly and fairly.

Hidden Gems: Lesser-known Benefits of Travel Insurance

Travel insurance can offer hidden benefits that might surprise you. Did you know it could cover the cost of a hotel stay if your flight gets seriously delayed? Or provide reimbursement if your tour operator goes bankrupt? Remember, the devil (and the angel) is in the detail. Make sure to explore the policy benefits thoroughly.

Beyond the standard offerings, travel insurance can come with an array of hidden benefits that could be lifesavers on your trip. Here are a few lesser-known gems tucked away in the fine print of travel insurance policies:

1. Coverage for extreme sports: If you’re an adrenaline junkie, you might be surprised to learn that some travel insurance policies cover injuries sustained from extreme sports like skydiving, bungee jumping, or even scuba diving. It’s an add-on benefit in some plans, ensuring you’re protected when seeking that adrenaline rush.

2. Pet care: Believe it or not, some insurance policies offer coverage for your furry friends! If your return home is delayed due to a covered reason, your policy might cover additional boarding fees for your pet.

3. Identity theft protection: In this digital age, identity theft is a growing concern. Some travel insurance providers understand this and offer services to help if your identity is stolen during your trip. They may assist with contacting banks, getting a new passport, and more.

4. Coverage for political unrest: The world can be unpredictable. If political unrest or a coup suddenly makes your chosen destination unsafe, some policies will cover the costs of your trip cancellation or early return home.

5. Concierge services: In the midst of navigating a foreign country, a concierge service can be a godsend. Some insurance policies provide 24/7 concierge services, helping you book restaurants, arrange transportation, or even source hard-to-get event tickets.

6. Return of mortal remains: While it’s a benefit no one wants to think about, some comprehensive travel insurance plans include a clause to cover the cost of returning your remains home or funeral expenses abroad if you were to tragically pass away during your trip.

Remember, while these hidden benefits can be quite enticing, they’re not included in every policy. Always read your policy’s fine print carefully to ensure it fits your unique travel needs.

The Round-Up: Comparing Top Travel Insurance Providers

In the vast ocean of travel insurance options, pinpointing the one that best fits your unique needs can be overwhelming. Here’s a brief comparison of some top-rated travel insurance providers to help simplify your choice:

1. SafetyWing Travel Insurance

SafetyWing offers affordable, worldwide travel insurance, making it a popular choice among budget-conscious travelers and digital nomads. The policies include coverage for unexpected illness and injury, travel delay, and lost checked luggage. However, it’s important to note that their policies do not cover trip cancellations.

2. World Nomads Travel Insurance

World Nomads is widely recognized in the travel community for its comprehensive coverage and flexibility. They cater to adventurous travelers, offering coverage for over 200 adventure activities. Plus, you can buy and extend your policy online, even after you’ve started your trip.

3. Allianz Travel Insurance

Allianz is a travel insurance giant known for its wide range of plans. They offer single-trip plans, multi-trip plans, and coverage for trip cancellation, medical emergencies, and lost or stolen luggage. However, their policies might not be the best fit for those with pre-existing conditions.

4. IMG Global Travel Insurance

IMG Global stands out for its strong medical coverage, including emergency evacuation. This makes it a solid choice for travelers heading to remote areas. They also offer coverage for trip cancellation, interruption, and delay.

5. True Traveller Travel Insurance

True Traveller is well-regarded by long-term travelers and backpackers for its affordability and extensive coverage, which includes medical emergencies, repatriation, personal liability, and belongings. They also offer additional adventure activity packs for thrill-seekers.

6. Integra Global Travel Insurance

Integra Global offers comprehensive health and travel insurance plans, including policies for expatriates and those looking for long-term coverage. They stand out for their “no out-of-pocket” policy, meaning they’ll settle directly with healthcare providers where possible.

Wrapping Up

It’s essential to remember that travel insurance needs can vary significantly from one traveler to another. Always make sure the policy you choose provides adequate coverage for your specific requirements and travel plans. SafetyWing might not be the best fit for everyone-particularly for those who need coverage for trip cancellations or have specific medical needs. Always compare options and read the fine print before making your final decision. 

Remember , the best travel insurance for you will depend on your specific travel needs, budget, and the kind of trip you’re planning. Always read the fine print and ensure the policy you choose provides adequate coverage for your adventure. Happy (and safe) travels!

1. What should I consider when choosing travel insurance?

Consider your destination, the length of your trip, the activities you plan to do, and your overall health. Always read the policy carefully to understand what is covered and what is not.

2. Is travel insurance always necessary?

While not always required, travel insurance is highly recommended for peace of mind during your travels. It protects you from significant financial risk should anything unexpected happen.

3. Is it better to buy travel insurance from travel agents or insurance companies?

Both can provide valid travel insurance policies, but it’s essential to check the details of the coverage. It’s often recommended to purchase insurance directly from reputable insurance companies or a comparison site for the best deal.

4. Does travel insurance cover COVID-19 related issues?

It depends on the policy. Some insurers offer coverage for COVID-19 related issues, while others may not. Always check this before purchasing.

5. Can I get a refund on my travel insurance if I don’t use it?

Most travel insurance policies are non-refundable after a certain period, usually 10-15 days after purchase, but it varies by provider and policy.

6. Can I buy travel insurance after booking my trip?

Yes, you can buy travel insurance after booking your trip. However, it’s recommended to purchase it soon after booking to maximize the coverage period and benefits, especially for trip cancellation.

7. Does travel insurance cover adventure sports?

This depends on the policy. Some travel insurance plans exclude adventure sports, while others may offer it as an add-on or part of the premium package. Always check this before purchasing if you plan to engage in such activities.

8. What if I have a pre-existing medical condition?

Most travel insurance policies exclude pre-existing medical conditions, but some providers offer a waiver or add-on coverage for these conditions. You must disclose any pre-existing conditions during the application process.

9. Will travel insurance cover me if I travel to a high-risk destination?

It depends on the insurer and policy. Some policies exclude coverage for travels to high-risk areas, so it’s crucial to check this before purchasing.

10. How much does travel insurance typically cost?

The cost of travel insurance can vary widely based on several factors, including the traveler’s age, destination, trip length, and the type and amount of coverage selected. Generally, it ranges from 4% to 10% of the total trip cost.

Personal Conclusion

Traveling allows us to experience the world in all its wonder, but it’s important to do so with the safety and security of travel insurance in our back pocket. Remember, the best travel insurance isn’t always the most expensive-it should cater to your specific travel needs and provide ample coverage for potential risks. Bon voyage, and travel safely!

• Squaremouth (2020). Travel Insurance Statistics . 
• Moncrief, M. (2020). Travel Insurance is Your Safety Net .  
• Independent Traveler (2020). Choosing the Best Travel Insurance .  
• AardvarkCompare (2020). Reading Travel Insurance Reviews .  
• UStiA (2020). How To File A Travel Insurance Claim .  

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One response to “Navigating Your Way to the Best Travel Insurance: A Comprehensive Guide”

Kevin, your insights on AI in healthcare were riveting. As a nurse with 15 years of experience, I’ve seen the shift in patient care due to technology. How do you think AI will impact bedside manners? I feel there’s a danger of losing the human touch. Also, I’ve seen AI systems like IBM Watson aid in diagnosing complex diseases; its potential to save lives is astounding! Yet, there’s the question of data privacy. It’s a double-edged sword, isn’t it? Would love to hear your thoughts on these aspects. Great read, by the way! 👏📚

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Take Caldwell Roach Insurance on your next trip.

Did you know that your provincial health insurance plan may not cover all your medical expenses when travelling? 

Before leaving Halifax or Dartmouth on your trip, call us to arrange travel insurance. Our team of Insurance Brokers will find the best travel coverage for your situation, so you can relax and enjoy your next trip without the worry. It’s as simple as a quick phone call to us with your travel details. Call today .

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More From Forbes

Planning a vacation here’s your 2024 summer travel insurance guide.

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The joy of a summer vacation. But do you have protection for your trip?

Planning a vacation this summer? Yeah, you and just about everyone else.

More than 9 out of 10 Americans say they'll travel more this year, according to a recent Nationwide Travel Insurance survey . Most of those trips will happen in June, July and August.

Not just that, but 40 percent of the respondents say they'll spend more this year than last year. So how do you protect your vacation investment?

Travel insurance is the standard answer, but what kind of insurance — and how do you find it? That's the question many Americans are wrestling with as they make their travel plans.

Protecting your vacation is a serious concern this summer, experts say.

“Travelers are beefing up their trip protection with security advisory and extraction protection," notes Dan Richards, CEO of The Global Rescue Companies .

It's not just that they're spending more. It's that there's more to lose. The ongoing war in Ukraine, the Hamas attacks on Israel, and other violent conflicts have made travel insurance a key part of trip planning.

This summer may break travel records, experts say.

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Wwe smackdown results winners and grades after wrestlemania 40, ‘civil war’ star on why the film’s president is not based on donald trump, it's going to be a busy summer for travel.

Overall policy sales for the 2024 summer travel season are up this year, but there's a spike in sales for policies in August, which is typically the busiest time of the summer. "Sales are up more than 25% over last year," says Stan Sandberg, co-founder of travel insurance site TravelInsurance.com .

Western Europe continues to be the most popular summer destination for Americans, with some notable hotspots. Travel insurance sales for Greece are up over 60% this year compared with 2023, followed by Norway and Portugal, which are up 57% and 52%, respectively, according to Sandberg.

Everyone's travel insurance needs are different, according to the pros.

What should you insure when you travel this summer?

Laura Heidt, the insurance desk manager for Brownell Travel in Birmingham, Ala., says there are some things every travel insurance policy should cover this summer.

"I always recommend people insure for the unexpected, such as flight delays, missed connections and medical coverage while out of the country," she says. "If you are willing to forgo the cancellation and delay coverages, which are typically the most expensive parts of a policy, you should still, absolutely, cover yourself with at least the medical component."

Heidt says she's seen a 10% boost in travel insurance sales for this summer compared with the same time last year, and many people are opting for the pricier "cancel for any reason" policies, which allow you to cancel your trip and receive a partial refund of your prepaid, nonrefundable travel expenses.

Travel insurance companies are seeing a similar trend.

"A majority of travelers choose a comprehensive travel insurance plan which includes coverage for trip cancellation, emergency medical, lost or delayed baggage and delay," explains Tim Dodge, vice president of marketing at Arch RoamRight .

He says this year, travelers are purchasing travel insurance on average within 11 days of their trip deposit to receive the additional benefit of the waiver exclusion for pre-existing conditions.

If you're traveling with kids, you'll need extra travel insurance protection.

Get a policy that's tailored to your needs

Travel insurance comes in all shapes and sizes. So you'll want to try a few on for size before you buy. You can actually do that, since most policies have a "free look" period that makes them fully refundable for the first week or two (depending on the policy).

"It's important to consider your specific travel plans and any potential disruptions in order to protect your investment," says Robert Gallagher, president of the US Travel Insurance Association (USTIA).

He says traditional plans offer coverage for unexpected cancellations, interruptions, delays, emergency medical expenses and lost or delayed baggage. For international travel, USTIA advises opting for a plan with emergency medical and medical evacuation coverage.

It also depends on who you're traveling with. For example, if you're traveling with your children, you'll want to consider a family-friendly priced travel insurance plan. But your destination also matters, says Carol Mueller, vice president at Berkshire Hathaway Travel Protection (BHTP).

"For young families, I typically recommend the ExactCare plan due to its pricing of two children at no additional cost for every one adult on the policy," she says. "However, for families venturing abroad, I’d suggest considering a plan like BHTP's LuxuryCare, which is designed to meet the distinctive needs of a high-investment vacation.”

You have choices when it comes to family coverage. For example, Allianz’s OneTrip Prime plan also includes coverage for kids 17 and younger when traveling with a parent or grandparent.

Medical evacuations can be expensive.

Look beyond travel insurance for extra protection

Mike Hallman, CEO of the air medical transport and travel security program Medjet , says MedjetHorizon memberships are selling briskly. They offer 24/7 security and crisis response, as well as transportation to a hospital at home if you're injured. Travelers are skittish even if they aren't going bungee-jumping.

"With geopolitical tensions still growing — all the riots in France, Italy, Ecuador and other tourist destinations over the last year — and crime causing the threat level to be raised for the Bahamas and Jamaica, it’s no wonder," he adds.

He makes a good point. Travel insurance can cover many of the events you're likely to encounter, such as a missed connection, lost luggage or a medical emergency. But it's also important to know what isn't covered — and to make plans accordingly.

Beware of travel insurance "overconfidence"

The summer travel season is still a few months away, but insurance experts are worried. Yes, they've seen a general uptick in insurance sales, but some travelers remain unprotected.

"We've started to see early signs that travelers are exercising less caution and are slightly less likely to sign up for travel insurance," says Joe Cronin, CEO of International Citizens Insurance .

By comparison, travelers purchased plenty of medical insurance in 2020 and 2021 because of the pandemic. Cronin believes travelers were terrified of getting stuck with COVID-19 in a foreign country without insurance.

"To those who are thinking about traveling internationally without travel insurance, my recommendation is to spend a few minutes looking deeper before deciding," he adds.

Some types of insurance, such as a standalone medical policy, cost just a few dollars a day. A medical evacuation membership is also affordable. And even full-featured travel insurance policies can be cost-effective when you consider the benefits.

"Don’t put your summer travel memories, or your investment, at risk by forgoing the right vacation coverage," says Daniel Durazo, director of communications at Allianz Partners USA . "With international travel peaking during the summer season, an unprotected trip can leave travelers on the hook for costs resulting from an unexpected trip delay or medical emergency abroad."

Bottom line: Seriously consider travel insurance to protect your trip — and don't be overconfident. You never know what might happen this summer.

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