Travel Insurance Protection
Travel Protection for Every Trip
Travel opens doors to new experiences. It also exposes you to unexpected events such as illness, cancellations, lost luggage, or delays that can turn a planned trip into a stressful ordeal.
That is why travel insurance matters. It helps protect your financial investment in the trip and keeps you covered if things go wrong.
At Ward & Co. Insurance, we help travelers from Chicago and beyond find the right travel insurance plan. Whether you are taking a quick weekend getaway or an extended journey abroad, we assess your needs and match them with coverage that fits your travel style.
Before you book another flight, cruise, or holiday, let us help you travel with confidence and the right protection.
Auto & Home & Business. Ward & You.
Why Travel Insurance Is Important
Travel often involves nonrefundable bookings such as flights, hotels, tours, or cruises. If unexpected illness, weather disruptions, or emergencies force cancellation or interruption, you may lose these prepaid costs. Travel insurance helps safeguard those investments. Medical emergencies while traveling abroad or outside your usual healthcare coverage can be costly. Regular health insurance may not apply internationally or cover emergency evacuation. A travel policy can provide protection for hospital stays, urgent care, or medical transport when you are away from home.
Travel insurance also covers other common travel hazards, including lost or delayed luggage, trip delays or interruptions, stolen belongings, or unexpected travel changes. It gives you a safety net when life on the road does not go as planned. For many travelers, insurance turns a risky trip into a manageable adventure. It helps you focus on memories rather than potential losses.
What Travel Insurance Covers
Travel insurance plans vary, but most offer a combination of key protections that travelers rely on.
Trip Cancellation or Interruption
If you must cancel or cut your trip short due to illness, weather events, work emergencies, or other covered situations, this coverage reimburses prepaid nonrefundable expenses for flights, hotels, or tours.
Optional Add-ons
Depending on your trip, you may add adventure sports coverage, rental car protection, or the cancel-for-any-reason upgrade for more flexibility.
Emergency Evacuation and Repatriation
In serious medical situations, travel insurance may cover medical evacuation to a suitable facility or transport back home.
Travel Medical and Emergency Care
This covers medical emergencies abroad or away from home. Hospital stays, accidents, urgent care, prescriptions, and medical evacuation may be included, especially when your standard health insurance does not apply overseas.
Trip Delay or Missed Connection
Delays can come with a price. If weather, cancellations, or other disruptions cause missed connections, travel insurance can cover meals, hotel stays, and transportation expenses.
Baggage Loss, Delay or Theft
If luggage is lost, delayed, or stolen, travel insurance may reimburse you for essential items or the value of lost goods. Some policies also cover travel documents or personal items taken during your trip.
How Ward & Co. Insurance Helps You Choose Travel Coverage
Personalized Advice Before You Go
We make it easier to understand your travel insurance options through a simple approach.
Evaluate Your Trip
We review your travel plans, destination, duration, activities, and travelers involved.
Compare Plan Options
We help you compare basic, mid-tier, and comprehensive plans to find what best matches your needs.
Handle Policy Setup
We manage the policy arrangement, so your coverage is active before you depart.
Customize Your Protection
We tailor the plan with add-ons or enhancements based on your itinerary and concerns.
Support You During Travel
If problems arise during your trip, we help you understand how to use your coverage and guide you through claims.
Who Needs Travel Insurance
Driving in Chicago brings its own mix of challenges: heavy commuter traffic, winter snow and ice, dense intersections, and limited parking. Auto insurance helps you stay protected on the road with coverage such as:
Anyone with prepaid nonrefundable trip costs
International travelers
Families traveling together
Adventure travelers participating in higher risk activities
Cruise passengers
Travelers with pre-existing conditions who need extra protection
Anyone traveling to regions with high medical costs or limited access to care
Even short domestic trips can benefit from coverage when delays or
cancellations are likely.
What Affects Travel Insurance Cost
Several factors influence the price of a travel insurance policy.
Total trip cost and insured amount
Length of the trip
Number of travelers
Travelers ages
Destination and risk level
Coverage tier chosen
Any optional add-ons selected
On average, travel insurance costs around 4 – 6% of the total trip cost. Shorter and less expensive trips often fall below this range
Comprehensive coverage and high trip values naturally increase cost. Because every trip is different, we help you determine what level of protection is appropriate.
How to Keep Travel Insurance Affordable
You can keep coverage cost effective with a few strategies.
Insure only nonrefundable portions of your trip
Compare quotes to match your needs
Consider annual plans if you travel often
Purchase coverage soon after booking
Select only the add-ons that fit your itinerary
Smart planning makes travel insurance both affordable and meaningful.
Travel Insurance - FAQs
Credit card benefits may be limited. Many health insurance plans do not cover international medical care or evacuation.
Yes, travel insurance is worthwhile because even minor events such as illness, lost baggage, or a canceled flight can cost more than a basic travel policy.
As early as possible. Some benefits apply only when purchased shortly after making your first trip payment.
Some plans offer a waiver if you meet certain requirements. Others may exclude them unless specified.
Only if you add a cancel-for-any-reason upgrade. This optional coverage increases flexibility but also raises premium costs.
Get a Quote
Let Ward & Co. Insurance help you travel with confidence. Contact us today to get started.