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A trip is a big investment of money and time, and a lot can happen between booking and coming home. Travel insurance helps protect non-refundable costs like airfare, hotels, and tours, and can cover medical emergencies, evacuation, and lost belongings while you're away. No policy can guarantee your safety on the road — but knowing you're covered can help you relax and enjoy the trip.
Travel insurance generally falls into two buckets: protecting the money you've put into the trip, and protecting you while you're on it. The right plan depends on where you're going, how much you've prepaid, and whether your health coverage travels with you. A local agent can help you weigh the options before you book.
Reimburses non-refundable costs if a covered reason forces you to cancel.
Helps with added costs when travel is delayed or cut short by a covered event.
Care for illness or injury that happens while you're away from home.
Transport to appropriate care — a major expense without coverage.
Coverage for lost, stolen, or damaged personal property on the trip.
Travel accident protection for you and your traveling companions.
Coverage is subject to underwriting and plan terms, and is not bound or altered until confirmed by an authorized representative. Covered reasons, limits, and exclusions vary by plan. This page is a general overview, not a contract or a quote — contact a local Top O' Michigan agent for the plan that fits your trip.
Plans can include trip cancellation and interruption, travel delays, emergency medical and dental away from home, medical evacuation, and lost or delayed baggage. You choose the plan that matches your trip and budget.
Often, yes — especially abroad. Many U.S. health plans provide little or no coverage outside the country, and they won’t reimburse a non-refundable trip or pay for medical evacuation. Travel medical coverage fills that gap.
Ideally soon after you book. Buying early can unlock benefits like pre-existing condition waivers and “cancel for any reason” options, and it covers cancellations that happen before you ever leave.
It’s an optional upgrade that reimburses part of your non-refundable costs if you cancel for a reason a standard policy wouldn’t cover. It usually must be added shortly after booking, so ask your agent early.
Often. Cruises and tours tend to have strict cancellation terms, tight connections, and overseas medical exposure — exactly what travel insurance is built for.
A quick call can match the right travel plan to your trip. Reach a local Michigan agent today.
