Travel Insurance
Explore boldly. Travel protected.
Every itinerary we plan can include comprehensive travel insurance — quoted from top-rated carriers, reviewed alongside your trip, and matched to how you actually travel.
Why It Matters
One in six trips runs into something unexpected.
A cancelled connection. A stomach bug on day two. A stolen bag in a train station. Most disruptions are small — but the ones that aren't can cost tens of thousands of dollars out of pocket. Travel insurance turns those moments from disasters into inconveniences.
- Evacuations
- $100k+
- Coverage
- 24/7
- Plan cost
- 5–10%
Typical overseas air-ambulance cost.
Worldwide assistance line included.
Of your insured trip cost.
What's Covered
Comprehensive protection, in plain English.
Every plan we recommend includes these core protections. Limits vary by tier — your advisor confirms exact amounts before you enroll.
Trip Cancellation & Interruption
Recover non-refundable costs when illness, injury, a family emergency, jury duty, or a covered work obligation forces you to cancel or cut short a trip. Reimbursement typically up to 100% of insured trip cost for cancellation and up to 150% for interruption (including additional return-transport costs).
Emergency Medical Care
Coverage for hospitalization, physician visits, prescriptions, and dental emergencies incurred while traveling. Most travelers select $100,000–$250,000 in primary medical coverage abroad, where domestic health plans often do not apply.
Medical Evacuation & Repatriation
Emergency air transport to the nearest suitable facility — or home — when medically necessary. A single overseas evacuation can exceed $100,000; standard plans we offer include $500,000–$1,000,000 in evacuation coverage.
Baggage Loss & Delay
Reimbursement for luggage that is lost, stolen, or damaged, plus essentials (clothing, toiletries) when bags are delayed more than 12–24 hours en route.
Travel & Flight Delays
Coverage for meals, lodging, and rebooking costs when weather, mechanical issues, or connections don't cooperate — typically after a 6-hour covered delay.
Cancel For Any Reason (CFAR)
Optional upgrade that lets you cancel for reasons not covered under standard trip cancellation and recover 50–75% of insured trip cost. Must be purchased within 14–21 days of your initial trip deposit.
Included in every plan we place
- 24/7 worldwide emergency assistance hotline
- Coordination of medical care and hospital payments
- Emergency cash transfer and lost-document replacement
- Concierge and translation services abroad
- Direct billing to hospitals wherever available
- Coverage for pre-booked flights, hotels, tours, and cruises
Choosing a Plan
Three levels of coverage.
Illustrative plan tiers — actual carriers, benefit amounts, and pricing are quoted per trip. Percentages reflect a share of your insured, non-refundable trip cost.
Essential
from 4–5%
of insured trip cost
For domestic trips and short getaways
- Trip cancellation up to 100%
- Trip interruption up to 125%
- $50,000 emergency medical
- $250,000 medical evacuation
- Baggage & travel delay
- 24/7 assistance hotline
Most Selected
Preferred
from 6–7%
of insured trip cost
Our most-selected plan for international travel
- Trip cancellation up to 100%
- Trip interruption up to 150%
- $150,000 emergency medical
- $500,000 medical evacuation
- Rental-car damage waiver
- Adventure & sports coverage
- Optional CFAR upgrade
Premier
from 8–10%
of insured trip cost
For cruises, safaris, and complex itineraries
- Trip cancellation up to 100%
- Trip interruption up to 200%
- $250,000 emergency medical
- $1,000,000 medical evacuation
- Missed connection & itinerary change
- Pre-existing condition waiver (if timely)
- Higher baggage & electronics limits
Baylan Travels is an independent travel agency. Insurance products are underwritten by licensed carriers; policy terms, conditions, and exclusions apply. Your advisor provides the full policy documents before enrollment.
How It Works
Four simple steps, handled with you.
1. Review your trip
Your advisor summarizes your itinerary — total insured cost, destinations, activities, travelers, and any pre-existing medical conditions to consider.
2. Match the right plan
We compare quotes from top-rated carriers (Allianz, Travel Guard, Travelex, Nationwide, Seven Corners) and recommend the plan that best fits your trip and budget.
3. Purchase & enroll
We handle the enrollment and send your full policy documents, ID card, and 24/7 assistance numbers. Coverage begins the moment your deposit is protected.
4. Travel — and if needed, claim
If something happens, call the assistance line first. We help gather documentation and follow the claim through with the carrier on your behalf.
Frequently Asked
Questions travelers ask us most.
When should I buy travel insurance?+
Within 14–21 days of your initial trip deposit. Buying in this window unlocks the most valuable time-sensitive benefits — the pre-existing condition waiver and the option to add Cancel For Any Reason (CFAR).
How much does travel insurance typically cost?+
Most comprehensive plans run 5–10% of your insured, non-refundable trip cost. Price depends on traveler age, trip length, destination, coverage limits, and any upgrades (CFAR, adventure sports, rental-car).
Does my credit card or health insurance already cover me?+
Credit-card travel protection is generally limited (often no medical coverage abroad, low delay caps, and secondary trip cancellation). Most U.S. domestic health plans provide little or no coverage outside the country, and Medicare does not cover care abroad. A dedicated travel plan fills these gaps.
Are pre-existing medical conditions covered?+
Yes, in most cases — provided the plan is purchased within the insurer's look-back window (typically 14–21 days of initial deposit) and you are medically able to travel on the purchase date. Your advisor confirms the exact terms before you enroll.
What isn't covered?+
Common exclusions include foreseeable events (a named storm already forecast at purchase), self-inflicted injuries, incidents while intoxicated, and travel to regions under active U.S. State Department advisories. Every policy is different — your advisor walks through the exclusions before you buy.
How do claims actually work?+
Contact the 24/7 assistance line first — most medical situations are coordinated in real time and billed directly to the carrier. For post-trip reimbursement (delays, cancellation), submit receipts and documentation through the carrier's online portal. We assist with paperwork and follow-up.
Ready to Protect Your Trip?
Get a personalized insurance quote — usually within one business day.
Share your itinerary and we'll compare quotes from top-rated carriers and recommend the best fit. No obligation.
Request an Insurance Quote