Fly Escapes Luxury Travel

Travel Protection

Everyone thinks travel protection is useless… until they need it.

Travel protection can feel like one more expense standing between you and the vacation. You have traveled before without filing a claim, the trip already costs enough, and there are far more exciting ways to spend the money.

Then an illness appears without warning. A hurricane changes course. A strike disrupts flights. A family emergency requires you to return home. A delayed departure causes you to miss the cruise, tour, transfer, or reservation that was supposed to carry the rest of the trip forward.

Suddenly, the trip you carefully coordinated is unraveling, and every decision seems to come with another expense.

Nobody gets to schedule the unexpected.

When something happens, you may suddenly be responsible for nonrefundable reservations, replacement flights, additional hotel nights, medical treatment, or emergency transportation. What started as a disruption can become a serious financial problem much faster than most people realize.

Travel protection gives you somewhere to turn when the trip no longer follows the plan and the expenses begin adding up.

Explore Your OptionsLearn What to Look For
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Guidance from the CDC

The recommendations on this page are grounded in guidance from the Centers for Disease Control and Prevention.

The CDC encourages international travelers to learn about travel health insurance and medical evacuation insurance before departure. It recommends looking for coverage that can coordinate emergency transportation, provide access to 24-hour assistance, and arrange direct payment with hospitals when available.

Did you know…

$25,000

is the CDC's estimated cost of medical evacuation within North America.

And

$250,000+

is the CDC's estimated cost of evacuation from distant or remote locations.

Medical facilities abroad may require payment at the time of service, and even insured travelers may need access to substantial funds while care and coverage are being coordinated.

Review the CDC Travel Insurance Guidance

The CDC provides general travel health guidance and does not endorse Fly Escapes, Faye, Chubb, TravelSafe, or any other insurance provider.

Travel protection is a safeguard you choose before an unforeseen situation occurs.

Plenty of travelers decline coverage because they have traveled before and never needed to file a claim. Those previous trips cannot predict what will happen on the next one.

Careful planning can reduce many travel problems. Unfortunately, it cannot prevent everything.

Travel protection is there when an unforeseen situation changes the journey in a way you or your family could not plan around.

Before declining, ask yourself whether you could comfortably manage the financial consequences if you needed coverage and did not have it.

Real experiences

Think travel protection probably will not matter on your trip?

These situations happened to travelers on trips planned by Fly Escapes.

When they booked their trips and purchased their plans, no one expected the journey to become the one that required this level of protection and support. Some were familiar travel disruptions. Others were the kind of circumstances that make you stop and think about how quickly life can change.

A traveler quietly reviewing an itinerary at a hotel desk

A traveler became too ill to take the trip.

The primary traveler passed away before departure, and the policy helped the family recover eligible prepaid, nonrefundable expenses.

An injury during an excursion required medical treatment and an earlier return home.

An elegant older couple boarding a modern cruise ship at blue hour

A medical emergency involving another passenger caused a significant flight delay and disrupted the reservations that followed.

A labor strike interrupted scheduled flights and forced travelers to change course.

Changing political or security conditions required adjustments to the itinerary.

A traveler on the deck of a remote luxury safari tent overlooking the grasslands at sunrise

Severe weather made the original travel plans impossible to continue as scheduled.

A delayed or canceled flight affected hotels, transfers, tours, and other reservations that followed.

Luggage was lost, delayed, or damaged during the journey.

A required travel document was unavailable when it was needed, preventing part of the journey from continuing as planned.

None of these travelers could have predicted the situations they would end up in. They were simply glad they had protection when things did not go according to plan.

When circumstances changed, their policies gave them access to assistance, eligible benefits, and a formal process for seeking reimbursement. Their coverage also gave Fly Escapes more resources to help them understand their options and navigate the disruption more efficiently.

A travel advisor can guide the response, communicate with suppliers, help preserve documentation, and identify the next available options. The policy provides the financial resource that may make those options possible.

Protect the thousands of dollars you are investing in your trip.

A journey meant to help you rest, celebrate, and restore should not create financial hardship for you or your family because something happened that no one could have predicted.

Coverage depends on the policy purchased, the circumstances of the event, and whether the claim satisfies the policy’s definitions, eligibility requirements, limits, exclusions, and documentation requirements.

Coverage layered across the journey

What are you hoping to protect?

Travel protection can address several parts of the same journey. The plan should reflect the money you have invested, the additional expenses a disruption could create, and the medical risks of being away from home.

  1. Phase1

    Phase 01 · Before Departure

    The money you invested

    Trip cancellation coverage may reimburse eligible prepaid, nonrefundable expenses when you cancel for a covered reason listed in the policy.

    The phrase “covered reason” matters. Standard cancellation coverage does not allow a traveler to cancel for every possible reason and receive a refund. The circumstances must satisfy the definitions and requirements in the policy.

    Changing your mind, experiencing a work conflict, becoming uncomfortable with the destination, or deciding that you no longer want to travel may fall outside the standard covered list.

  2. Phase2

    Phase 02 · While the Trip Is Moving

    The cost of a disruption

    A delay can create expenses far beyond the delayed flight.

    You may need meals, another hotel night, replacement transportation, or a new flight to catch up with a cruise, guided vacation, safari, or multi-destination itinerary.

    Trip delay, missed connection, and trip interruption benefits address different parts of that problem. Review each benefit separately and pay attention to how long a delay must last before coverage begins.

  3. Phase3

    Phase 03 · Away From Home

    Your health and access to care

    Emergency medical coverage may help with eligible treatment received while traveling. Medical evacuation coverage may help transport you when appropriate care is unavailable nearby.

    These are separate benefits with separate limits.

    A plan can provide strong trip cancellation benefits while carrying a modest medical limit. A large evacuation benefit may also come with restrictions on where the traveler can be transported and who controls that decision.

    The details surrounding the numbers matter.

One disrupted reservation does not automatically release you from the financial commitments attached to the rest of the trip.

A quick note from your advisor —

Each part of a journey is purchased under its own terms and conditions.

If one reservation is disrupted, the hotel, cruise line, tour operator, or transfer provider may still be prepared to deliver its service. Their agreement does not automatically require a refund because a different supplier or a personal circumstance prevented you from arriving.

One event can affect several reservations while each supplier continues to apply its own cancellation policy.

Travel protection may provide a financial bridge between a qualifying disruption and the prepaid arrangements that remain nonrefundable.

Purchase timing

Your first trip payment starts more than the vacation countdown.

When you are ready to make the first deposit or payment toward a trip, you should also be ready to review and purchase travel protection.

Many plans provide only a short period after the first trip payment to access certain time-sensitive benefits. Among the providers featured on this page, those deadlines may fall approximately 14 to 21 days after the initial payment, depending on the plan.

Waiting until the final payment date can leave you with fewer options, even when the trip is still months away.

  1. Deposit placed

    Make the first trip payment.

    The clock may begin with the earliest payment toward any part of the journey, including airfare, a hotel deposit, a cruise deposit, or a tour payment. Use the earliest applicable payment date when requesting a quote.

  2. Review window

    Review protection immediately.

    This is the time to compare plans, consider Cancel For Any Reason coverage, and determine whether you may qualify for a waiver of the pre-existing medical condition exclusion.

  3. Adjust as you go

    Keep the insured trip cost updated.

    As you make additional nonrefundable payments, follow the provider's instructions for increasing the insured trip cost. Certain benefits and waivers may require the full eligible trip cost to remain insured.

As soon as you deposit on your trip, be ready to obtain your travel protection.

Build travel protection into the first-payment decision. Waiting until later may close the door on benefits that cannot be added after the deadline passes.

Purchase deadlines, eligibility requirements, and available benefits vary by plan and state of residence. Review the policy before purchasing.

Cancellation flexibility

Want more flexibility than standard cancellation coverage provides?

Standard trip cancellation coverage applies when the reason for canceling is included in the policy.

Cancel For Any Reason, commonly called CFAR, is an optional benefit that may provide partial reimbursement when your reason falls outside the standard covered list.

CFAR can provide additional flexibility when your plans, circumstances, or comfort level change. The benefit comes with purchase deadlines and eligibility requirements.

Standard trip cancellation

  • Coverage applies to the covered reasons defined in the policy.
  • An eligible claim may reimburse up to the covered amount stated in the plan.
  • The reason for canceling and the resulting financial loss must satisfy the policy requirements.

Cancel For Any Reason

  • CFAR may allow cancellation for a reason outside the standard covered list.
  • It generally reimburses only a percentage of eligible prepaid, nonrefundable expenses.
  • It commonly must be purchased within a short period after the first trip payment.
  • The policy may require the full eligible trip cost to be insured and updated as new payments are made.
  • The traveler must usually cancel at least a specified number of hours or days before departure.

CFAR is a decision to make when you deposit the trip.

The option generally cannot be added after a concern develops or the purchase deadline has passed.

Availability, reimbursement percentages, purchase deadlines, and cancellation requirements vary by policy and state of residence.

Pre-existing condition waivers

Pre-existing medical condition waivers can also be time-sensitive.

Travel protection policies may exclude claims connected to a pre-existing medical condition unless the traveler qualifies for a waiver of that exclusion.

Eligibility may require purchasing the plan within a specified period after the first trip payment, insuring the full eligible trip cost, and being medically able to travel when the plan is purchased.

Missing the purchase deadline may make the waiver unavailable for that trip.

Good to know

The relevant medical condition may involve the traveler, a traveling companion, or, under some policies, a non-traveling family member whose condition could affect the journey. Review the policy’s definition, look-back period, and waiver requirements carefully.

International medical coverage

Medical emergencies work differently when you are far from home.

Many travelers assume their usual health insurance will work abroad the same way it works at home. Domestic coverage is often limited outside the United States, and some plans provide no international coverage.

Even when an existing health plan provides an overseas benefit, the medical facility may require payment, a deposit, or proof of acceptable coverage before treatment or admission. The traveler may have to pay the expense first and seek reimbursement later.

A medical emergency is a terrible time to discover that the coverage you expected does not travel as far as you do.

Assume that your regular medical coverage may be limited abroad until you have confirmed otherwise.

A travel protection plan may bring several forms of protection together, including emergency medical treatment, medical evacuation, trip interruption, delay, missed connections, baggage benefits, and other travel-related coverage.

Limited benefits spread across a credit card, domestic health plan, and individual supplier policies may still leave significant gaps.

International medical coverage is one important part of the policy. The rest of the journey still deserves protection.
A traveler on a phone call outside a warmly lit café in a European city at dusk

Coverage limits and payment process

A large coverage amount does not tell you when the money becomes available.

Many travel protection benefits operate on a reimbursement basis. The traveler may need to pay the eligible expense first, collect the required documentation, and submit a claim to recover the money afterward.

That distinction matters during a medical emergency.

If paying $20,000, $30,000, or more upfront would create a financial emergency of its own, examine how the provider handles payment when care is needed.

How Much Is Covered?

Read the number in context.

The maximum benefit amount is one part of the picture. The definitions, exclusions, deductibles, and approval requirements around that number determine what the coverage actually means for your trip.

How Is the Bill Paid?

Ask before you buy.

  • Will the provider pay an eligible hospital or medical facility directly?
  • Can the assistance team issue a guarantee of payment when a facility requires one?
  • Is the emergency medical benefit primary or secondary?
  • Must the provider approve or arrange treatment or transportation in advance?
  • Which expenses must I pay first and submit for reimbursement?

Good to know

Primary coverage and direct payment describe different parts of the policy.

Primary coverage generally means the travel protection policy can respond before another applicable insurer. Direct payment or a guarantee of payment describes whether the provider may coordinate payment with the medical facility.

Make the payment process part of your policy comparison.

A reimbursement benefit can still be valuable, but you need to know how much money you may be expected to front before reimbursement becomes available. Save the provider’s emergency assistance number before departure and contact the assistance team as soon as reasonably possible when urgent treatment or transportation is needed.

Medical evacuation limits

When $25,000 sounds bigger than it is

A $25,000 evacuation benefit can appear substantial on a comparison screen. Its value changes quickly when it must cover an air ambulance, medical personnel, specialized equipment, airport transfers, hospital coordination, and a long-distance flight.

The appropriate limit depends on the traveler’s condition, the distance to suitable care, the transportation required, and the location of the journey.

$25,000

This amount may contribute toward a shorter or less complex evacuation. It can be exhausted quickly when a dedicated air ambulance or specialized medical team is required.

$100,000

This provides a more meaningful cushion for international travel. A medically complex or long-distance evacuation may still exceed the limit.

$250,000 or more

Higher limits deserve serious consideration for safaris, expedition travel, cruises, remote islands, the South Pacific, and destinations far from advanced medical facilities.

Match the evacuation limit to the journey.

Coverage that may feel reasonable for a nearby international destination may be inadequate for a remote safari, expedition cruise, island stay, or multi-country journey far from home.

Definitions

Similar words. Different benefits.

Medical evacuation does not always mean transportation home.

Many policies provide transportation to the nearest appropriate medical facility. The provider may determine whether the evacuation is medically necessary and which facility is suitable.

Policy field guide

How to compare a plan without becoming an insurance expert

Even a strong-looking plan can quietly skip past the one situation that worries you most.

Focus on these seven areas before comparing the final premium.

Read the covered reasons for trip cancellation and interruption.

Look for the situations you are concerned about rather than assuming they are included. Determine whether standard cancellation coverage is sufficient or whether CFAR is available and appropriate.

A quiet reminder.

A strong-looking plan can still skip past the one situation you care about most. Read for the concern, not the premium.

Read the fine print

Have travel benefits through a credit card?

Credit card travel benefits can be useful, but their requirements vary significantly between cards.

Some benefits require the entire round trip or a specific portion of the transportation to be purchased with the eligible card. Splitting expenses between cards, paying with another traveler’s card, using points or vouchers, or charging only part of the required purchase may affect whether coverage applies.

The card may also limit who qualifies as a covered traveler, which circumstances qualify, how much it will reimburse, and which documents are required.

Review the complete guide to benefits before relying on the card. Pay particular attention to:

  • Which travel expenses must be charged to the card
  • Whether the full trip, round trip, or only part of the transportation must be paid with the card
  • Whether points, miles, vouchers, or travel credits affect eligibility
  • Who qualifies as a covered traveler
  • The available cancellation and interruption benefits
  • Medical treatment and evacuation coverage
  • Per-person, per-trip, and annual limits
  • Primary or secondary coverage
  • Claim deadlines and documentation requirements

A collection of limited card benefits may still leave important portions of the journey unprotected.

Documentation

When something goes wrong, document everything.

If something goes sideways…

Keep the paper trail.

  • Receipts for meals, hotels, transport, and medical care
  • Screenshots of flight alerts and supplier messages
  • Written confirmation of cancellations and delays
  • Names, departments, and times of everyone you spoke with
  • Copies of diagnoses, treatment notes, and payment receipts
  • Share the policy number + assistance line with a traveling companion

Future you will be very grateful. —

For medical care, request copies of the diagnosis, treatment notes, medical records, charges, and payment receipts before leaving the facility.

Annual coverage

Taking more than one trip this year?

An annual plan, sometimes called a multi-trip plan, can provide coverage for qualifying trips taken during one policy period.

For frequent travelers, this may reduce the need to shop for a new plan every time another getaway lands on the calendar. It may also provide coverage for spontaneous trips that were not planned when the policy was purchased.

The policy may limit the length of each trip, the distance traveled from home, the amount of cancellation coverage available, and the total benefits that can be paid during the policy year.

Single-trip calendar

A single-trip plan may fit when:

  • You are protecting one specific journey.
  • The trip has a high prepaid, nonrefundable cost.
  • You want benefit limits and optional coverage selected around that itinerary.
  • The trip is longer or more complex than an annual plan allows.

Annual calendar

An annual plan may fit when:

  • You expect to take several qualifying trips during the year.
  • Your trips fall within the maximum trip length.
  • The cancellation, medical, and evacuation limits are sufficient for the journeys you are planning.
  • You prefer managing one policy period rather than purchasing a new plan for every departure.
An open leather planner beside a passport with a satin ribbon marker

Annual plan details

Look closely at how annual coverage works.

01

Cancellation limits

Annual policies may have lower trip cancellation limits than some single-trip plans. Compare the available limit with the most expensive trip you expect to take during the policy year.

02

Per-trip and annual limits

Some benefits reset for each qualifying trip. Others are aggregate benefits shared across the entire policy period. A claim from an earlier trip may reduce the amount available for later travel.

03

Maximum trip length

Annual plans commonly limit the number of consecutive days each covered trip can last. Extended stays and longer journeys may require separate coverage.

04

Eligibility rules

Distance from home, overnight requirements, age, residence, destination, and policy dates may affect whether a trip qualifies.

A claim does not automatically end every annual policy.

The policy may remain active while the available amount under a particular benefit is reduced or exhausted. After a claim, contact the provider before the next trip and confirm how much coverage remains.

An annual plan can work well for several routine trips. A separate single-trip plan may provide stronger protection for an expensive cruise, safari, villa stay, or complex luxury itinerary.

Providers

Explore your travel protection options

Fly Escapes provides access to several travel protection providers so you can review options based on the journey, the protection you value, and the experience you prefer.

The providers may address similar categories of risk while using different benefit limits, definitions, exclusions, optional upgrades, assistance services, and claim procedures.

Review the specific plan documents before purchasing.

Faye Travel Insurance

Faye

A mobile-first travel protection experience

Faye may appeal to travelers who prefer a digital experience and want to access their plan information from their phone.

Through the Faye app, travelers may be able to review their plan, receive travel updates, contact assistance, upload documentation, and manage portions of the claims process digitally.

Faye may be worth exploring when app-based access and a streamlined digital experience are important to you.

Available benefits, limits, optional upgrades, and eligibility depend on the issued plan and the traveler’s state of residence.

Explore Faye Coverage

Review the complete policy for covered reasons, exclusions, benefit limits, purchase deadlines, payment procedures, and eligibility requirements.

Chubb Travel Protection

Chubb Travel Protection

Single-trip and annual options for the way you travel

Chubb Travel Protection offers single-trip plans along with annual options for travelers who expect to take several trips during the year.

The annual option may be worth exploring when you want one policy to cover multiple qualifying journeys rather than purchasing protection separately for every departure.

Review the cancellation limit, maximum trip length, per-trip benefits, and aggregate annual limits carefully before deciding whether annual coverage fits your travel plans.

Available benefits, limits, and eligibility depend on the issued policy and the traveler’s state of residence.

Explore Chubb Travel Protection

Quote link coming soon.

Review the complete policy for covered reasons, exclusions, benefit limits, purchase deadlines, payment procedures, and eligibility requirements.

TravelSafe Insurance

TravelSafe

More options for trips that do not fit into one standard box

TravelSafe offers options beyond traditional single-trip protection, including annual coverage, lodging-focused plans, and protection designed for golf travel.

That variety may make TravelSafe worth exploring when you are primarily protecting a lodging investment, planning several trips during the year, or arranging a journey with more specialized needs.

Specialty plans may have separate quote paths, benefits, and policy requirements, so every available TravelSafe product may not appear in the same quote form.

Available benefits, limits, optional upgrades, and eligibility depend on the issued plan and the traveler’s state of residence.

Explore TravelSafe Plans

Review the complete policy for covered reasons, exclusions, benefit limits, purchase deadlines, payment procedures, and eligibility requirements.

Quote preparation

Have these details ready before requesting a quote.

You will generally need:

  1. The date of the first trip payment
  2. The current prepaid, nonrefundable trip cost
  3. The destination and travel dates
  4. Each traveler's age and state of residence
  5. Details about cruises, safaris, expeditions, or remote destinations
  6. The number of trips expected during the year
  7. Concerns involving pre-existing medical conditions

Use the same traveler information, dates, destination, and trip cost for each quote so the comparison reflects the same journey.

A traveler on the phone at her kitchen island taking notes while requesting a travel protection quote

FAQ

Frequently asked questions

The questions travelers ask most before choosing a plan.

A couple walking together down a warmly lit jet bridge toward the aircraft door

Ready to review your options

Protect the journey and the finances behind it.

We sincerely hope you never have to file a claim.

Travel protection is there when an unforeseen situation changes the trip before departure or while you are away.

Review the covered reasons, purchase deadlines, medical and evacuation limits, payment procedures, exclusions, and requirements for receiving assistance.

Choose coverage with the actual journey and your financial comfort in mind.

Explore Faye CoverageExplore Chubb Travel ProtectionExplore TravelSafe Plans

Chubb quote link coming soon.

Important disclosure

Travel protection plans may contain insurance benefits and non-insurance assistance services. Benefits, limits, exclusions, definitions, deadlines, payment procedures, and availability vary by policy, traveler, and state of residence.

The information provided by Fly Escapes is for general educational purposes and does not constitute insurance, legal, medical, or financial advice.

Fly Escapes does not determine eligibility, interpret policy language, guarantee coverage, approve services, or make claim decisions.

The policy certificate and applicable endorsements govern all coverage and claim determinations. Travelers should review the complete plan documents before purchasing and contact the provider directly with questions about specific benefits, exclusions, deadlines, payment procedures, or circumstances.

Purchasing travel insurance is not required in order to purchase any other product or service offered by the travel retailer. Plans provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your coverage, call your insurer or insurance agent or broker.

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