Why You Need Travel Insurance
We know you're excited about your next adventure, but unexpected situations can arise. Whether it’s a medical emergency, trip cancellation, or lost luggage, having travel insurance ensures that you’re covered and can handle any unforeseen events with peace of mind.
Luxe Tribes strongly recommends purchasing travel insurance, as all trip payments are non-refundable seven days after booking. Insurance can help reimburse you for these costs if you need to cancel due to covered reasons.
When to Purchase Travel Insurance & What It Covers
It’s best to purchase travel insurance as soon as you book your trip to ensure maximum coverage. Most policies cover 100% of prepaid, non-refundable expenses for covered cancellations, while CFAR (Cancel for Any Reason) policies typically reimburse 50-75%. Travel insurance protects you from trip cancellations, medical emergencies, lost or delayed baggage, and travel disruptions due to unforeseen events. Please note that Luxe Tribes is not liable for any cancellations, losses, or disruptions on trips, making travel insurance essential for financial protection and peace of mind.
Standard Travel Insurance Coverage
Most standard travel insurance policies cover:
Trip Cancellation & Interruption – If you need to cancel due to illness, injury, or unforeseen events like natural disasters or terrorism.
Medical Emergencies – Covers hospital bills and medical expenses abroad.
Lost or Delayed Baggage – Reimburses you for lost, stolen, or delayed luggage.
Travel Delays – Covers additional expenses if your flight is delayed or canceled.
"Cancel for Any Reason" (CFAR) Coverage
If you’re looking for more flexibility, CFAR insurance allows you to cancel for any reason, even if it's not covered under a standard policy. Here’s how it works:
You must purchase it within 14-21 days of your first trip payment.
It reimburses 50% to 75% of non-refundable trip costs.
You must cancel at least 48 hours before departure.
CFAR policies typically cost 40% more than standard insurance.
If you’re concerned about cancellations due to COVID-19 or other personal reasons, CFAR is your best option.
Where to Purchase Travel Insurance
We’ve partnered with SquareMouth Travel Insurance and World Nomads to provide you with top-tier coverage options:
SquareMouth Travel Insurance – Compare multiple providers based on your specific needs, including CFAR and COVID-19 coverage.
World Nomads – Offers simple and flexible travel insurance for adventurous travelers.
Be sure to read your chosen policy carefully to ensure it meets your needs!
Recommended Pandemic Travel Insurance Providers
If you need coverage that includes COVID-19, check out these providers:
Arch RoamRight
AXA Assistance USA
Berkshire Hathaway Travel Protection
Generali Global Assistance
GeoBlue
Global Alert
For more details, check out Forbes’ Best Pandemic Travel Insurance Providers.
Final Thoughts
Protecting your trip with travel insurance gives you peace of mind and financial security. Whether you’re looking for standard coverage or CFAR options, we highly recommend purchasing a policy before your trip. If you have any questions, feel free to reach out to us!