• Usually offered by travel suppliers (like cruise lines, tour companies, or resorts).
• Usually covers trip cancellations, delays, or interruptions but may have limited medical coverage.
• Often includes credit or vouchers instead of cash refunds.
• Easier to purchase as an add-on when booking a trip.
• May not cover all unexpected events.
• Travel insurance is designed to cover unforeseeable events—not things you could easily see coming, or things within your control.
• Provided by third-party insurance companies.
• More comprehensive—can cover cancellations, medical emergencies, lost baggage, travel delays, and even emergency evacuations.
• Usually offers cash reimbursements rather than travel credits.
• Can be customized for coverage based on traveler needs.
• Often required for travel to certain destinations.