best travel insurance for couples what actually covers what matters

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Not all travel insurance is created equal. Here is what to look for in a policy that actually protects your trip.

What Standard Policies Cover

  • Trip cancellation and interruption
  • Medical emergencies abroad
  • Lost or delayed baggage

What They Leave Out

  • Pre-existing conditions (unless you buy within 14 days of booking)
  • Adventure activities like skiing or zip-lining
  • Mental health emergencies

Our Recommendation

Look for a policy with at least $50,000 in medical coverage, $100,000 in evacuation, and trip cancellation that covers weather events. Safety Wing and World Nomads are popular among travelers — but read the fine print before you buy.

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