The car is fully packed, and the family is ready to set off on a new adventure, but there’s something you probably forgot about for your summer vacation: traveler’s insurance.
As summer vacations gear up, a timely reminder from Squaremouth targets a common pitfall: neglecting the right travel insurance. Unveiled on June 13, their “5 Travel Insurance Mistakes to Avoid This Summer” report reveals habits that could derail well-planned trips and how to avoid them.
Here’s what travelers should keep in mind before hitting the road this summer!
1. Don’t Wait! Buy Insurance Early
Mistake: Waiting to purchase travel insurance until after a problem arises.
Why it matters: Many policies offer enhanced options, such as Cancel For Any Reason (CFAR) and pre‑existing condition coverage, only if purchased within 10 days of booking.. Missing that window could leave travelers exposed.
Tip from Squaremouth: Buy coverage as soon as your first reservation is confirmed to maximize benefits.
2. Plan for Delays — They’re Happening Often
Mistake: Assuming delays are minor and not worth insuring.
Why it matters: With flight disruptions at a record high — nearly 55% more travelers are now seeking delay coverage — policyholders risk being stranded with no backup for meals, lodging, or rebooking.
Tip: Make sure your policy includes Travel Delay coverage that activates after just 3 hours for both flights and other common carriers.
3. More Expensive Isn’t Always Better
Mistake: Equating higher cost with superior protection.
Why it matters: Premiums vary with insurer risk models, not quality. The ideal policy is one that meets your needs—not just one with a high price tag.
Tip: Choose the most affordable plan that offers your required coverage levels .
4. Skip Airline/Cruise Insurance Add-ons
Mistake: Adding insurance at checkout without comparison.
Why it matters: These often offer limited protection and lack flexibility. They may miss essential benefits like evacuation or medical emergencies.
Tip: Use sites like Squaremouth to compare standalone policies by coverage, cost, and company rating.
5. Don’t Rely Solely on Credit Card Perks
Mistake: Believing credit cards cover everything.
Why it matters: Card benefits typically cover trip cancellation or baggage but often lack emergency medical or evacuation coverage.
Tip: Supplement your credit card coverage with a third-party plan, especially if traveling internationally or engaging in activities like scouting abroad, where medical coverage is essential .
Why This Matters Now
Travel costs have surged, and the summer travel season shows no signs of slowing. With flight disruptions and medical emergencies still real threats, adequate insurance protects both the wallet and the trip experience .
Whether you’re flying across the country or exploring abroad, thoughtful coverage can save you from headaches and financial stress.
This summer, don’t let an overlooked detail derail your getaway. With just a few proactive steps, buying early, checking delay coverage, comparing options, and filling in credit card gaps, you’ll be ready for whatever travel throws at you. That way, your only concern will be enjoying the destination.