Discover our travel insurance for Tennessee getaways

It can still be a smart idea. Your health insurance may cover medical care in Tennessee, but it typically won’t include benefits like trip interruption, baggage loss, or emergency evacuation costs.

If you sprain an ankle hiking in the Smoky Mountains or get food poisoning during a festival in Nashville, our travel insurance can help reimburse eligible medical expenses and other unexpected costs.

It’s a solid gameplan. Even when traveling with a group, unexpected issues can come up. Guided tours often don’t cover every disruption.

If your luggage is lost on the way to Nashville or a delay cuts into your Smoky Mountains itinerary, you may be left to handle the costs on your own. Travel insurance can provide a safety net with benefits like baggage protection, trip interruption, and travel delay coverage — giving you extra financial backup so you can focus on enjoying your Tennessee trip.

It can. If you’re staying within the U.S., your coverage applies as you travel across different states — so you can explore Tennessee along with neighboring destinations without losing protection. If your plans take you outside the country, coverage can continue as long as you don’t travel to OFAC-sanctioned countries or our blocked destinations.

When you get a travel insurance quote, enter the destination where you’ll spend the most time. For example, if you’ll be in Tennessee for a week and Kentucky for a weekend, select “USA” as your destination.

You can! If you’re planning on hiking trails in the Smoky Mountains or grade 3 whitewater rafting near Chattanooga, our base plans include protection for many lower-risk activities.

Thinking about more extreme adventures? Add our adventure activities upgrade to our Ultimate, Advantage, Essential, or Travel Med Go plan for higher — risk experiences like outdoor rock climbing and Grade 4 or Grade 5 whitewater rafting in Tennessee’s mountains and valleys.

You can. Plans don’t always go as expected, which is why it’s smart to have trip cancellation coverage for your Tennessee vacation. Our Ultimate, Advantage, and Essential plans include trip cancellation benefits that may reimburse you for eligible expenses if you need to cancel for a covered reason, such as an unexpected illness or severe weather disrupting your travel.

Looking for more flexibility? Our cancel for any reason* upgrade, available only with our Ultimate plan, lets you cancel your Tennessee trip for any reason up to two days before departure and recover up to 75% of your prepaid, nonrefundable costs.

To be eligible, you’ll need to purchase the upgrade within 21 days of your first trip payment, no less than 31 days before departure, and insure the full value of your prepaid, nonrefundable trip expenses (up to $10,000 per person).

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

They can be — if you’re eligible for our pre-existing condition exclusion waiver and purchase our Ultimate plan. To qualify, you’ll need to:

This waiver is available on our Ultimate plan and can provide coverage for pre-existing medical conditions if:

• Buy the Ultimate plan within 21 days of your first trip payment.
• Insure any subsequent travel arrangements within 21 days of their purchase.
• Be medically able to travel at the time you purchase the plan.

The waiver applies to conditions diagnosed, treated, or requiring a medication change in the 90 days before you bought your plan. This option can be especially useful if you’re planning a Tennessee getaway while managing ongoing health conditions.

You should book travel insurance to Nashville, TN — or anywhere in Tennessee — soon after making your first trip payment, whether that’s for flights, a hotel, or tickets to an event.

Buying early gives you the broadest protection, including trip cancellation benefits that apply before you even leave home. Some upgrades, like cancel for any reason, are only available if you purchase within 21 days of your initial booking, so it’s best not to wait.