Missing a flight, losing your luggage, or getting sick abroad used to be just bad luck. Today, without travel insurance, they can cost you thousands of dollars. A single hospital visit in the USA without insurance can cost $10,000 or more.
What Does Travel Insurance Cover?
Medical Emergencies — Hospital bills, doctor fees, emergency treatment abroad. This is the most important coverage to have.
Trip Cancellation — Refunds prepaid costs if you cancel due to illness or family emergency.
Lost or Delayed Baggage — Compensates you if your luggage is lost, stolen, or delayed.
Emergency Evacuation — Covers emergency transport to hospital or back home. This can cost $50,000+ without coverage.
Types of Travel Insurance
Single Trip — Covers one specific trip. Best for occasional travelers.
Annual Multi-Trip — Covers all trips within a year. Better value if you travel more than twice a year.
Adventure Travel — Specialized coverage for skiing, scuba diving, hiking and other high-risk activities.
What to Look for When Choosing
- At least $100,000 in medical coverage ($500,000+ for USA travel)
- Coverage for pre-existing conditions if applicable
- 24/7 emergency support
- Clear cancellation policy
How Much Does It Cost?
Travel insurance typically costs between 4% and 10% of your total trip cost. For a $3,000 trip expect to pay $120–$300. That is very little compared to a $15,000 hospital bill abroad.
Get Covered Before Your Next Trip
Get EKTA Travel Insurance → Compare AURAS Plans →Frequently Asked Questions
For domestic trips it is optional. For international trips, especially to countries with expensive healthcare — it is strongly recommended.
As soon as you book your trip. Buying early gives you the most coverage options including cancellation protection.
Many modern policies now include COVID-19 coverage. Always check the specific policy wording before purchasing.