The Best Travel Insurance Coverages for 2025

We now know better than ever that global travel can shut down suddenly, often with little warning.

And it’s not just disease epidemics that are to blame. Natural disasters continue to escalate to larger sizes

Travelers must recognize the fragility of travel moving forward. Trip Cancellation coverage is shaping up as a must-have for travel in 2025 and beyond. Trip Cancellation coverage may reimburse you for your unused, non-refundable prepaid trip costs if you have to cancel your trip for a covered reason.

Trip Cancellation coverage has always been one of the major reasons for buying travel protection. Now they’re more important than ever.

Read more about Trip Cancellation coverage

Weather and natural disasters are more likely than ever to cause problems with travel plans according to the Escape Artist . An irregular return to full travel capacity could make rebooking more of a challenge.

Its kindred coverage, Trip Interruption coverage may reimburse you for certain unused prepaid costs or out of pocket costs, if you have to interrupt a trip you’re already on for a covered reason.

Travel Delay and Trip Interruption coverages work well together and will be a vital part of travel protection moving forward. Between the two benefits, if your travel is delayed for the amount of time specified in your plan or interrupted due to a covered event, you may be reimbursed for certain necessary expenses during your delay. You can even catch back up with your travel plans when the delay is over.  That could mean reimbursement for an unplanned hotel stay and food, arranging a flight to a port of call to meet your cruise, or rebooking flights to cover a missed connection and more.

Both coverages are included with Generali Travel Protection plans.

This benefit is easy to understand. Would you want to take an international trip in 2025 without coverage for medical emergencies?

Generali’s Premium Plan offers $250,000 per person in Medical and Dental coverage, plus the ability to qualify for Pre-Existing Medical Condition coverage.

Given what we’ve learned about health and travel recently, it seems like the only wise thing to do. And, you can rest easy knowing our plans provide coverage if you, a family member, or a traveling companion become ill with COVID-19 and plan requirements are met.

Read more about Medical & Dental coverage

Similarly, the prudent travel decision for 2025 and beyond includes choosing a plan with coverage for Emergency Assistance and Transportation.

All Generali travel protection plans offer a minimum of $250,000 per person for Emergency Assistance and Transportation coverage. The Preferred Plan doubles that amount to $500,000 per person, and the Premium Plan has up to $1 million per person for Emergency Assistance and Transportation coverage.

A recent New York Times story discussed the expense of medical evacuation in the midst of a pandemic and noted a $200,000 bill for a relatively simple air evacuation.

Medical evacuation is getting more complex and expensive – and it’s not something to take lightly. Travel protection can help protect against the expense and inherent difficulties of an emergency evacuation.

Read more about Emergency Assistance & Transportation

Read more about Emergency Assistance & Transportation

The New York Times story also cited a cost of more than $11,000 of associated expenses with the evacuation mentioned above, with a good chunk of that money going to recover and return luggage.

It’s natural to overlook baggage issues when people’s lives are on the line, but it’s a fact that luggage damage and loss will continue to be an issue, especially as people travel with more stuff than ever.

While it’s usually best to take out riders on your homeowner’s or renter’s policy to cover expensive individual items while you travel, Baggage and Baggage Delay coverage as part of your travel protection plan can help pay for lost, damaged, or stolen baggage and its contents.

Pro tip: Baggage and Baggage Delay coverage is one of the most misunderstood parts of a travel insurance policy, so be sure you understand what it covers – and what it doesn’t – before buying.

Also read: What to Do if Your Luggage is Stolen on Vacation

Cancel for Any Reason (CFAR) coverage will enable you to cancel a trip, as the name implies, for any reason whatsoever. The privilege comes with an extra cost – adding it to a plan can cost as much as 50% more and comes with some requirements. This optional add on coverage is only available on Generali’s Premium Plan and not available to residents of New York.

CFAR only covers up to 75% of your penalty amounts, so you don’t get back all of what you put in, and it won’t cover trips that cost more than $10,000 per person, so there are boundaries. But if you’re really uncertain about what the travel environment might look like when you’re abroad, and you want the

Who knows what 2025 has in store? If you’re traveling in the year ahead, travel insurance with assistance services from Generali Global Assistance can help protect you against the unexpected.