Travel insurance can protect the investment you made in planning your vacation. There are three major types of travel insurance that cover everything from airfare and hotel expenses, to medical emergencies and damage to your belongings.​​​

Talk to a


(866) 227-2099

Or request a call or email

Need Personal Security Coverage?

​Our risk advisors can address your needs with coverage that includes kidnapping and ransom. Learn about Private Risk Services

Related Products

Planning the Trip of a Lifetime?

If you need access to extra cash, talk to a Frost Banker about one of our personal loans. Learn about Personal Loans

News & Articles

What is Travel Insurance? Protect your non-refundable travel costs. ​ Read Article

Read Article

More News & Articles

Trip Cancellation/Delay

If you're unable to travel due to an uncontrollable event, trip cancellation, delay and interruption insurance coverage can help. Here's how the coverage options work:

  • Trip Cancellation—Covers costs if you can't travel due to an illness or death in the family
  • Travel Delay—Protects you against travel delays, such as a flight delay or cancellation
  • Trip Interruption—Reimburses prepaid expenses if your trip is cut short for reasons such as severe weather, airline strikes, terrorism, bankruptcy and jury duty

Medical/Accidental Insurance

Travel insurance can help with any medical or emergency dental expenses while traveling. It can also supplement your existing health insurance in the event of an evacuation or overseas hospitalization, which your insurance may not cover. There are several types of medical and accidental insurance to consider.

  • Emergency Medical Expense—Covers medical and emergency dental expenses caused by an illness or injury suffered while traveling
  • Medical Evacuation—Provides emergency transportation to a hospital in your area of travel or back to a hospital near your home
  • Accidental Death—Policies may include coverage for death or dismemberment while traveling on public transportation, such as plane, ferry, train, bus or taxi

Baggage/Rental Car Damage

Of all the things that can go wrong on vacation, losing your luggage or damaging a rental car are some of the most common. You might want to consider these two coverages:

  • Baggage Loss—Reimburses lost, stolen or damaged personal items
  • Rental Car Damage—Protects you from damage or loss to a rental vehicle

Get started by calling (866) 227-2099 or request a call or email.

Do You Need Travel Insurance?

There are a few factors to consider that may increase your need for travel insurance.

  • Length of Your Trip—Longer trips increase exposure to risks
  • Destination—Is there a high risk of hurricanes, crime, illness or political instability?
  • Participation in High-Risk Sports—Will you participate in high-risk activities such as mountaineering?
  • Your General Health—Are you likely to need medical attention while away?

Cruise and Tours

Cruise and tour operators may offer cancellation waivers. Keep in mind that waivers aren't insurance policies, so they are not regulated.

Get started by calling (866) 227-2099 or request a call or email.

What Long-Term Care Covers

With Long-Term Care (LTC), the cost of caring for chronic illness or disability is covered, while your hard-earned wealth is preserved for your family. Long-term care insurance generally covers the expenses of:

  • Nursing homes
  • Assisted living programs
  • In-home care
  • Custodial care
  • Alzheimer's care
  • Hospice

Home and Community-Based Care Services

Long-term care may cover the costs of a variety of home and other services, such as physical, speech and occupational therapists, visiting nurses, adult day care and hospice care. It's important to know the different types of care available:

  • Skilled Care—24/7 treatment by a registered nurse under a doctor's supervision
  • Intermediate Care—Occasional nursing and rehabilitative care under the supervision of experienced medical personnel
  • Custodial Care—Provides personal care needs to help with daily activities, including help eating and bathing

Get started by calling (866) 227-2099 or request a call or email.

Medicaid and Long-Term Care

Some Long-Term Care (LTC) coverage is available through Medicaid, but only after you and your spouse have used most of your assets.

Choosing Your Own Provider

LTC insurance enables you to choose your private nursing home, assisted living facility, or home health care provider without considering if they accept Medicaid.


Find out how much long-term care insurance you need.

How Your Age Affects Your Insurance Premium

Your premium is based on your age at the time you enroll in your LTC plan. So, if you purchase the insurance at 40 years old, the costs would be much lower than it would be at 75 years old. However, age should not be a determining factor in deciding on long-term care. About 60 percent of individuals over age 65 will require at least some type of LTC services.

Get started by calling (866) 227-2099 or request a call or email.