Travel Insurance

Explore the world knowing that trip cancellations, medical emergencies, and lost luggage won't derail your plans or your finances.

Traveler with luggage and map representing travel insurance protection Overview

Travel Protection for Domestic & International Journeys

You invest significant time and money planning vacations, business trips, study-abroad semesters, and family reunions. Yet flight delays, sudden illnesses, natural disasters, and lost baggage can turn a dream trip into a financial setback. Travel insurance reimburses non-refundable expenses and provides emergency support when the unexpected interrupts your itinerary.

Philadelphia Life Insurance Company offers single-trip, multi-trip annual, and specialty travel policies for Americans heading anywhere in the world. Our plans cover trip cancellation and interruption, emergency medical treatment abroad, medical evacuation, baggage loss, and 24/7 travel assistance — so you can focus on the experience, not the what-ifs.

Key Benefits

Trip Cancellation & Interruption

Recover prepaid, non-refundable costs for flights, hotels, tours, and cruises when covered events force you to cancel or cut your trip short.

Emergency Medical Coverage

Pay for doctor visits, hospital stays, prescriptions, and dental emergencies while traveling — especially critical where your U.S. health plan offers limited international coverage.

Medical Evacuation & Repatriation

Arrange and fund emergency transport to the nearest adequate medical facility or back home when local care cannot treat your condition.

Baggage & Personal Effects

Receive reimbursement for lost, stolen, or damaged luggage and personal items, plus coverage for essential purchases during baggage delays.

Policy Features

  • Single-Trip & Annual Plans

    Buy coverage for one specific journey or choose an annual multi-trip policy if you travel frequently for business or leisure throughout the year.

  • Cancel for Any Reason (CFAR)

    Optional upgrade that reimburses a percentage of trip costs when you cancel for reasons not covered by standard policies — maximum flexibility for uncertain schedules.

  • Travel Delay & Missed Connection

    Covers additional accommodation, meals, and transportation expenses when weather, mechanical issues, or other covered delays extend your travel time.

  • Adventure & Sports Coverage

    Optional endorsements for skiing, scuba diving, hiking, and other activities often excluded from basic travel insurance policies.

  • 24/7 Global Assistance Hotline

    Access multilingual support for medical referrals, legal assistance, emergency cash transfers, and rebooking help — any time, anywhere in the world.

Frequently Asked Questions

Buy travel insurance as soon as you make your first trip deposit — typically when booking flights or hotels. Purchasing early maximizes pre-existing condition waiver eligibility and ensures cancellation coverage begins immediately. You can still buy coverage later, but some benefits may be reduced or unavailable.

Most U.S. health plans provide limited or no coverage outside the country. Medicare, in particular, does not cover medical care abroad except in very narrow circumstances. Travel insurance fills this gap with dedicated emergency medical and evacuation benefits designed for international destinations.

Standard policies cover cancellation due to serious illness or injury, death of a family member, natural disasters at your destination, jury duty, military deployment, and terrorism at your planned location. Each policy lists specific covered reasons — we review these with you before purchase so expectations are clear.

Yes, especially for expensive domestic trips involving cruises, resort packages, or prepaid tours. Trip cancellation, travel delay, and baggage coverage apply equally to U.S. travel. If you have invested significantly in non-refundable bookings, travel insurance protects that investment against unforeseen disruptions.

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