Why travel insurance matters

Even the best-planned trips can hit a snag. Travel insurance protects your vacation investment, your belongings, and — most importantly — your health and safety while you're away from home. When plans go sideways, you're not on your own.

What travel insurance can cover

Trip cancellation & interruption — Reimbursement if you must cancel or cut your trip short for a covered reason, such as illness, injury, or severe weather. Protects your prepaid, non-refundable costs.

Medical & emergency assistance — Coverage for unexpected illness or injury while traveling, plus arranged medical evacuation if needed.

Baggage protection — Reimbursement for lost, stolen, or delayed bags, with an allowance for essentials while you wait.

Travel delays & missed connections — Help with meals, lodging, or new flights when an unforeseen delay derails your plans.

Optional upgrades — Depending on the plan: rental car collision coverage, "Cancel for Any Reason," and protection if a travel supplier goes out of business.

Things to consider before you buy

• Buy early. Many plans offer their best benefits — often including coverage for pre-existing medical conditions — only if you purchase soon after your first trip deposit.
• Check what you already have. Your health insurance may offer little or no coverage outside the U.S. (Medicare generally doesn't cover care abroad), and credit card benefits are often limited.
• Cruise line plan or independent plan? Some cruise line plans reimburse cancellations with future cruise credit rather than cash. We'll help you compare.
• Insure the full trip cost. Include everything non-refundable: cruise, flights, hotels, and excursions.
• Read the exclusions. Every policy has limits — know what isn't covered before you need it.
• "Cancel for Any Reason" has rules. It typically costs more, reimburses only part of your trip cost, and must be added early.

Why book your coverage with Harper Vacations?

• Personalized options: We match you with a policy that fits your trip and budget.
• Trusted partners: We work with top-rated insurers known for smooth claims.
• Ongoing support: Need to file a claim or have a question from the road? We're here.

How to get covered

Ask your Harper Vacations advisor for a quote, compare your options, and travel worry-free.

Travel insurance is the small investment that protects your big adventures.

Coverage, benefits, and eligibility vary by plan. Please review policy details before purchasing.