Travel Insurance
Boring until it isn’t.
Ready either way.
A broken ankle in Positano. A hurricane the week of your cruise. Travel insurance is the least glamorous part of a great trip — and the part that decides whether a bad day costs you a deductible or the whole vacation.
The Merédian Difference
Coverage we actually recommend — and why
Medical evacuation
The non-negotiable. An air ambulance from a remote island can exceed $200,000 — and your health plan almost certainly won't pay it.
Primary emergency medical
Hospital care abroad, paid first-dollar without wrestling your domestic insurer from a foreign ER.
Trip cancellation & interruption
Sized to your actual prepaid, non-refundable costs — not a generic percentage that over- or under-shoots.
CFAR, when it earns its keep
'Cancel For Any Reason' costs ~40% more and refunds ~75%. Brilliant for genuinely uncertain plans; wasteful otherwise. We'll tell you which you are.
Cruise-specific protection
Missed-port, missed-connection, and medical-at-sea provisions that standard policies handle poorly — and cruise-line plans handle worse.
Claims, coached
If you ever need to file, we help you document, submit, and follow up. A well-prepared claim is usually a paid claim.
Honest Advice
What we tell clients to skip
Flight-only accident policies are statistical theater. Baggage riders usually duplicate what your credit card and the airline already owe you. And the cruise line's own 'protection plan' is almost always the weakest coverage on the market at its price.
Insurance advice is only trustworthy when someone's willing to tell you what not to buy. Consider that our audition.
- Policies from licensed, A-rated third-party insurers
- Pre-existing condition waivers flagged and deadline-tracked
- Annual policies for frequent travelers who'd overpay per-trip
Get Started
Your first itinerary draft is free
Share a few details and a Merédian advisor will respond within one business day with real options, real prices, and the exclusive extras we can attach.
Quote my coverage
Tell us the dream. We'll handle the details — no planning fees on most trips.
FAQ
Insurance questions
For a $600 domestic weekend? Probably not. For a five-figure international trip, a cruise, or any itinerary with real prepaid costs or remote destinations — yes, and specifically evacuation and medical coverage. We recommend proportionally, not reflexively.
Protect the trip you just perfected.
Send us your itinerary — insured elsewhere or not — and we'll show you what the right coverage costs. Usually less than you fear.
No planning fees on most trips · No obligation · Response within one business day