Travel insurance is about risk, not fear
Insurance becomes more important when the trip is expensive, far from home, involves multiple flights, includes older travelers, or depends on non-refundable bookings.
What to check
| Coverage | Why it matters |
|---|---|
| Medical expenses | Healthcare abroad can be expensive |
| Trip cancellation | Protects prepaid non-refundable costs |
| Delays | Helps with long disruptions |
| Lost luggage | Useful when bags contain essentials |
| Adventure exclusions | Important for skiing, diving, hiking |
Common mistakes
Many travelers buy a policy without checking exclusions. Read medical limits, pre-existing condition rules, destination coverage, and whether your planned activities are included.
How Rya helps
Rya can look at your trip type and tell you when insurance is strongly recommended, when a basic plan may be enough, and what questions to ask before buying.