The trip is planned.
Now protect it properly.
Life is unpredictable. Travel insurance means the unexpected does not have to cost you the trip or the money you spent to book it.
Your deposits are
non-refundable.
Insurance should not be optional.
All deposits and payments are non-refundable. That is industry standard, not a policy unique to LORD and Smith Travel. Once reservations are made, airlines, hotels, and tour operators typically will not refund costs if unexpected circumstances prevent you from traveling.
Travel protection insurance is how you safeguard your investment against the things no one plans for. Illness, emergencies, family situations, job changes, global interruptions, these happen to good travelers every year. We have seen it firsthand, which is why we recommend insurance on every single trip, without exception.
This is not a luxury expense. It is the final step in planning your trip correctly.
A solid plan covers more than
you think it needs to.
Reimburses non-refundable trip costs if you cancel for a covered reason before departure. This is the most important coverage for group travel where deposits are significant.
Covers costs if your trip is cut short mid-journey. Includes reimbursement for unused portions and extra transportation costs to get you home.
Covers medical treatment abroad, including hospitalization. Your domestic health insurance often does not cover international incidents.
If you need to be transported to an adequate medical facility or evacuated home, costs can run into tens of thousands of dollars. Insurance covers this fully.
Reimburses lost, stolen, or damaged bags. Covers essentials purchased due to baggage delay so you are not waiting without what you need.
Covers additional expenses incurred during delays, including meals, accommodation, and transportation. Especially relevant on international itineraries with layovers.
Five things to know before
you buy coverage.
Not all travel insurance is equal. A few things worth knowing before you pick a plan and check the box.
Are you traveling solo or in a group? Domestically or internationally? To a remote area? Your coverage needs depend on your specific itinerary. A Caribbean cruise needs different coverage than a trip to rural South Africa.
Benefits and exclusions vary significantly across providers. The cheapest plan rarely offers the same protection as a mid-tier plan. Read what is actually covered, not just the headline features.
Some credit cards include travel protection. Some domestic health plans have limited international coverage. Know what you already have before buying duplicate coverage you do not need.
Cancel for any reason coverage and pre-existing condition waivers typically require purchase within 10 to 21 days of your initial trip deposit. Waiting kills this option.
Most claims are denied because travelers assumed something was covered that was not. Know your exclusions. Know how to file a claim. Know the timeline. The time to figure this out is not when you are stranded at a foreign airport.
Compare plans and buy
coverage online in minutes.
There are loads of travel protection insurance companies that offer coverage. Compare plans from the world's leading travel insurance providers. LORD and Smith Travel recommends these top-tier options: