We strongly recommend travel protection for most vacations.

Why it matters

Most cancellation penalties are set by suppliers — cruise lines, tour operators, resorts and airlines. Once you cross into a penalty window, those funds are gone unless you have a covered reason and travel insurance to back it up.

A small percentage of your trip cost up front is what stands between an unexpected event and losing a meaningful amount of money. For longer or international trips, it's almost always worth it.

What travel insurance can cover

• Trip cancellation for covered reasons (illness, injury, family emergencies, jury duty, severe weather).
• Trip interruption if something happens mid-trip and you have to come home early.
• Medical emergencies abroad — your US health insurance often does not travel with you.
• Emergency medical evacuation, which can run tens of thousands of dollars without coverage.
• Baggage delay or loss and trip delays that cause missed connections.
• "Cancel for any reason" upgrades on certain plans, with restrictions.

When we recommend it most strongly

• Any international trip.
• Cruises of any length — even closed-loop sailings.
• Trips during hurricane season (June–November in the Caribbean and Gulf).
• Trips with non-refundable deposits or significant prepayments.
• Multi-generational travel where any traveler has a health concern.

How we help

ALLSTOP Travel works with established insurance partners and will present options matched to your trip, your travelers, and your budget. Coverage is always optional, but we'll always make sure you've seen what's available before final payment.