Where are you going?

No matter how you bundle your getaway — resort, cruise, or curated tour — we can help you protect it your way.

How our travel insurance for all-inclusive trips can help you

Bundling your costs upfront for simpler planning? Even the best vacation packages can hit snags like cancellations and delays. Our travel insurance for all-inclusive resorts and getaways helps you keep those easy breezy vacation vibes.

If you want medical benefits …

From a buffet blunder to a poolside slip, our emergency medical and dental coverage can help you focus on relaxing, not worrying.

See medical coverage

If you want to protect your belongings …

We can help replace your must-have essentials — like your favorite swimwear or sunhat — so you can keep enjoying your all-inclusive perks.

See baggage benefits

If you want trip cancellation coverage …

Our Ultimate, Advantage, and Essential plans can help if life gets in the way and your plans change, so your entire trip investment doesn’t have to go to waste.

See trip cancellation

If you want 24/7 support …

Our assistance provider is just a call away whether you need a local doctor, replacement passport, or help during an emergency.

See our assistance benefit

Here's what you get with our comprehensive plans for bundled trips

Planning a bundled trip where relaxation is the only thing on your agenda? Our best travel insurance for all-inclusive vacations has our widest range of benefits and highest limits to help keep your trip running smoothly if something goes sideways.

Before you buy: Going on an all-inclusive family vacation with your children? Our Ultimate plan’s kids-included pricing helps you easily add coverage for your little ones. Check it out below.

Couple walking along a pool in the desert with travel insurance for their all-inclusive vacation

Ultimate

For travelers who want maximum protection.

Up to $50,000 trip cancellation
Up to $75,000 trip interruption
Up to $2,000 travel delay
Up to $250,000 emergency medical*
Up to $1,000,000 emergency evacuation and repatriation

Advantage

For travelers who want a step up from basic coverage.

Up to $10,000 trip cancellation
Up to $12,500 trip interruption
Up to $1,000 travel delay
Up to $50,000 emergency medical
Up to $250,000 emergency evacuation and repatriation

Essential

For travelers who want reliable coverage at a lower cost.

Up to $10,000 trip cancellation
Up to $10,000 trip interruption
Up to $600 travel delay
Up to $25,000 emergency medical
Up to $200,000 emergency evacuation and repatriation

Our plan benefits and coverage details	Ultimate	Advantage	Essential
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.	100% of trip cost ($50,000 maximum)	100% of trip cost ($10,000 maximum)	100% of trip cost ($10,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.	150% of trip cost ($75,000 maximum)	$125% of trip cost ($12,500 maximum)	100% of trip cost ($10,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.	$2,000 ($250 per day maximum)	$1,000 ($250 per day maximum)	$600 ($200 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.	$2,000 ($500 per item limit)	$1,000 ($500 per item limit)	$750 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.	$500	$200	$200
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.	$750	$500	$150
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason. Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum	$600	Not included	Not included
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.	$1,000,000	$250,000	$200,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.	$250,000 *$50,000 for NH residents	$50,000	$25,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.	$500	$500	$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.	Included if plan is purchased within 21 days of first trip payment and full trip cost is insured	Not included	Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.	90 days Does not apply to NH residents	120 days Does not apply to NH residents	180 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.	Included	Included	Not included (secondary coverage) Included for CT residents
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.	$25,000	$20,000	$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.	$25,000	$20,000	$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.	Included	Included	Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.	Yes	No	No
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.	Up to 180 days	Up to 30 days	Up to 30 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.	21 days	21 days	21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.	Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.	Available (75% of insured trip cost up to $7,500)	Not available	Not available
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.	Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.	Available (additional $250,000) Not available to NH residents	Not available	Not available
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.	Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.	Available ($2,000)	Available ($2,000)	Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.	Available (100% of insured trip cost up to $10,000)	Not available	Not available
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.	Available (additional $3,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,250) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Our plan benefits and coverage details
Ultimate	Advantage	Essential
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
100% of trip cost ($50,000 maximum)	100% of trip cost ($10,000 maximum)	100% of trip cost ($10,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
150% of trip cost ($75,000 maximum)	$125% of trip cost ($12,500 maximum)	100% of trip cost ($10,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$2,000 ($250 per day maximum)	$1,000 ($250 per day maximum)	$600 ($200 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$2,000 ($500 per item limit)	$1,000 ($500 per item limit)	$750 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500	$200	$200
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$750	$500	$150
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason. Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum
$600	Not included	Not included
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$1,000,000	$250,000	$200,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$250,000 *$50,000 for NH residents	$50,000	$25,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$500	$500	$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
Included if plan is purchased within 21 days of first trip payment and full trip cost is insured	Not included	Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
90 days Does not apply to NH residents	120 days Does not apply to NH residents	180 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included	Included	Not included (secondary coverage) Included for CT residents
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
$25,000	$20,000	$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$25,000	$20,000	$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included	Included	Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
Yes	No	No
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 180 days	Up to 30 days	Up to 30 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days	21 days	21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
Available (75% of insured trip cost up to $7,500)	Not available	Not available
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
Available (additional $250,000) Not available to NH residents	Not available	Not available
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
Available ($2,000)	Available ($2,000)	Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
Available (100% of insured trip cost up to $10,000)	Not available	Not available
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
Available (additional $3,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,250) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Important:

^* This coverage only applies to emergency medical expenses that first arise during your trip. You’ll have a $50 deductible if your primary residence is in Connecticut, Indiana, Kansas, Missouri, Montana, Vermont, or Washington. Residents of New Hampshire are eligible for up to $50,000 emergency medical and dental coverage with the Ultimate plan.

Why vacation with our travel insurance for all-inclusive adventures?

You can match your coverage to your trip and move forward with a team that understands the ups, downs, and surprises of travel.

Personalize your policy

With up to nine optional upgrades like cancel for any reason and rental car damage, you can add coverage that fits your bundled travel needs.

Unlock our upgrades

25+ years’ experience

We’ve been helping our all-inclusive travelers explore the world safely for decades, and we’re always innovating to make your experience even better.

Meet our team

24/7 travel support

From finding a local doctor to support with a lost passport, our assistance provider can help you through challenges on your all-inclusive getaway.

See our assistance benefit

Get to know our coverage a little bit more

Our benefits and upgrades can help keep travel issues from getting in the way so you can focus on unwinding.

Parents with travel insurance for their all-inclusive trip walking into a hotel lobby with their two sons

Unpack our benefits

Want coverage that helps your getaway run smoothly even when your plans drift off schedule? From trip cancellation to emergency medical coverage, our range of benefits can help you stay afloat so you can get back to enjoying each moment.

Show me the benefits

Couple with travel insurance for their all-inclusive trip under a gazebo looking at the snowy forest view

Discover our upgrades

Want to protect your all-inclusive trip your way? With up to nine optional upgrades, you can tailor your coverage to suit your travel style — whether you love adventure activities or the flexibility to cancel for any reason.

Take me to the upgrades

Pack our Travel On app

Keep your policy in your pocket — and more. Travel safer with our app’s tap-to-call 24/7 assistance, destination information, and real-time safety alerts.

Useful tips to make the most of your all-inclusive vacation

Dive into these guides for helpful insights to help you enjoy every part of your journey.

Couple using a laptop in their kitchen to calculate trip cost for their travel insurance policy

Need to calculate your all-inclusive trip cost?

Here’s our easy-to-follow guide to help you figure out what to include when you bundle costs upfront — and what you can leave out.

Determine your trip cost

Parents and young child embracing on a cruise ship overlooking the ocean after reading a cruise safety guide

Going on an all-inclusive cruise?

Check out our top tips for staying safe while you’re at sea, from choosing your cruise line to understanding health risks.

See cruise safety guide

young woman at home holding a credit card while using her laptop to buy travel insurance plans

How much does travel insurance cost?

Before you get a quote for your all-inclusive adventure, uncover the seven factors that could impact the price you’ll pay for a policy.

Understand coverage cost

Get more travel tips

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Want to know more about our travel insurance for all-inclusive trips?

Let’s break down the ways our coverage can help your all-inclusive stay all-relaxing.

It’s helpful to have coverage for any trip, including your packaged getaway.

All-inclusive trips may bundle the fun, but they don’t protect you or your trip investment if something goes wrong. Travel insurance can help you avoid losing all the money you put into your vacation.

The best travel insurance for all-inclusive vacations offers coverage for:

Trip cancellation
Trip interruption
Emergency medical care
Lost, damaged, stolen, or delayed luggage
Travel delay

You deserve a “no worries” vibe in vacation mode. Travel insurance can help keep a variety of potential travel issues from turning your all-inclusive trip upside down.

Your coverage depends on which of our six plans and nine optional upgrades you choose. We’re here for every traveler and every trip, so we offer options for a variety of travel needs and budgets.

Here are some top travel situations we can support you with on all-inclusive getaways:

Trip cancellation and interruption
Emergency medical care
Medical evacuation
Baggage loss or delay coverage
Travel delay

Plus, no matter which of our plans you choose, you can call our emergency assistance provider 24/7 for help if something goes wrong.

Want to dive deeper into our coverage? Visit our benefits hub.

The right travel insurance for your all-inclusive vacation depends on your trip style, budget, and other travel needs. It’s helpful to have enough coverage for your prepaid, nonrefundable costs and your biggest “what-ifs.”

At Travelex, our Ultimate plan packs our best travel insurance for all-inclusive vacations. It offers our highest limits and most benefits and optional upgrades, with coverage like:

Trip cancellation up to 100% of trip cost (max $50,000 per person)
Trip interruption up to 150% of trip cost (max $75,000)
Emergency medical up to $250,000 and medical evacuation up to $1,000,000
Baggage and personal belongings up to $2,000
Baggage and travel delay
Trip inconvenience benefits, including closed beach, golf course, and other attractions
Kids-included pricing
Waiver of the pre-existing condition exclusion
Up to nine optional upgrades, including cancel for any reason

When you calculate your trip cost (the insurable part of your trip), you can include these expenses:

Payments you made before leaving home (prepaid)
Payments you can’t get back (nonrefundable)

Here are some examples of insurable expenses (as long as they’re prepaid and nonrefundable):

Your all-inclusive resort package
Flights to and from your destination

Airport transfers and transportation

Room upgrades

Excursions, activities, or tours

Drink and meal -packages

If it’s paid upfront and you’d lose the money if you had to cancel, you can usually insure it. If you book part of your trip and it comes with free cancellation, leave it out of your trip cost.

Important: Check the details of your all-inclusive package, because many have hidden costs like taxes, fees, and service charges. These are usually prepaid and nonrefundable, so you can include them in your travel insurance trip cost.

Consider choosing a travel insurance plan with trip cancellation coverage. It can help you recover the prepaid, nonrefundable parts of your trip if you need to call it off.

At Travelex, you can use our trip cancellation benefit if you cancel for a covered reason listed in your policy like:

You have a sudden illness or injury.
Your airline or cruise line cancel due to severe weather.
Someone steals your passport.
A natural disaster (like a hurricane or earthquake) makes your destination unhabitable.

We offer trip cancellation on our Ultimate, Advantage, and Essential plans.

Want even more flexibility? Our Ultimate plan is eligible for our optional cancel for any reason upgrade*. It lets you cancel for any reason — like simply changing your mind — and receive reimbursement up to 75% of your insured trip cost ($7,500 maximum).

_{*Cancel for any fortuitous reason in NY.}

Yes, it can, if you choose a plan with coverage for your luggage and personal items. Whether your stuff is lost, stolen, damaged, or delayed, this benefit can reimburse you for the essentials you need so you can get back to enjoying your vacation package.

We have a baggage and personal effects benefit at Travelex. Here’s how it works on our Ultimate, Advantage, Essential, Travel Med Go, or Flight Insure Plus plan:

We can reimburse you if your bags go missing, get damaged, or take their own detour — up to the plan limit and per item caps.
We can help you get a new passport or visa if it’s lost, stolen, or damaged during your trip.
We can reimburse essential purchases when your luggage is delayed for five hours or more (six hours on our Essential plan).

Want more info on how we can help if your items go rogue? Check out our baggage travel insurance page.

It usually depends on the type of activity you’re planning. Standard, nonextreme activities are often covered. Many travel insurance providers exclude higher risk adventures from their base plans.

Most of our Travelex plans include coverage for lower-risk activities like:

Kayaking
Snorkeling up to 75 feet
Horseback riding
Snowboarding
Hiking
Surfing

Want to try more adventurous excursions like bungee jumping, skydiving, or skiing? You can add our adventure activities upgrade to our Ultimate, Advantage, Essential, or Travel Med Go plan.

Our adventure activities upgrade:

Removes the exclusion of certain heart-pounding experiences, so you can maximize on adrenaline and protection
Adds security evacuation coverage
Adds search and rescue coverage

Visit our adventure travel insurance page to get more details on our activity coverage.

Yes. Look for emergency medical and evacuation benefits when you get a quote. These benefits offer coverage that counts if you need care away from home.

At Travelex, we offer different amounts of emergency medical and evacuation coverage on these plans:

Ultimate
Advantage
Essential
Travel Med Go
Flight Insure Plus

Our Ultimate plan has the highest benefit limits, with:

Up to $250,000 emergency medical and dental
Up to $1,000,000 emergency medical evacuation coverage

Want even more medical coverage? Our Ultimate and Travel Med Go plans have an optional medical upgrade that adds $250,000 in coverage to the base plan limit. If you choose the upgrade, you’ll have a total of:

Up to $500,000 in emergency medical coverage with our Ultimate plan
Up to $300,000 in emergency medical coverage with our Travel Med Go plan

Plus, with any of our plans you’re able to call our emergency assistance provider 24/7 for help with your illness or injury. They can help you find a local doctor, arrange your medical evacuation, and more.

Yes, if you choose our Ultimate plan. It’s our only plan with kids-included pricing, making it a great fit for all-inclusive family vacations.

We can help protect one child per insured adult at no additional cost if:

The child is aged 17 or younger.
The insured adult is at least 18 years old.
The child’s trip cost is the same or less than the adult’s individual trip cost.

Note: If you add policy upgrades, we’ll charge each traveler the upgrade cost, including the child.

Visit our family travel insurance page for the scoop on our kids-included pricing.

Yes — some travel insurance providers offer coverage if a key attraction closes for specific reasons during your all-inclusive adventure. Look for the trip inconvenience benefit when you get a quote.

Our Travelex Ultimate plan offers up to $600 total trip inconvenience coverage. Here’s what it can help with:

Closed attractions: You can receive up to $200 if a primary attraction — like a ski resort, golf course, or amusement park — closes due to severe weather, lack of snow, or loss of essential services.
Closed beach: You can receive up to $200 if government authorities close the beach for at least 48 consecutive hours due to contamination (with no open alternative beach within 10 miles).
Cruise disablement: You can receive up to $200 if your ship operates without power, food, water, or restrooms for more than three hours outside of the port.

The price varies; there’s no one-size-fits-all number. Travel insurance costs can change based on a few key details about your unique trip, like your:

Age
Trip length
Trip cost

The easiest way to see your exact price is to get a quick quote on our website. You can compare plans and upgrades to see which best fits your trip and budget.

See our FAQ hub

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