Spring break is the perfect time to relax and recharge, but unexpected mishaps can turn your trip into a costly headache. Whether you’re flying to a tropical beach, hitting the slopes, or road-tripping with friends, the right insurance coverage can help protect you from trip disruptions, accidents, and losses. Before you pack your bags, here’s what you should know about travel-related insurance.
Travel Insurance: A Smart Safety Net
If your trip involves flights, hotels, or cruise reservations, travel insurance can be a lifesaver in case of:
- Trip Cancellations or Interruptions – If illness, severe weather, or other emergencies force you to cancel or cut your trip short, travel insurance may reimburse non-refundable costs.
- Lost or Delayed Luggage – Airlines mishandle bags every day. Travel insurance can help cover the cost of replacing essentials.
- Medical Emergencies Abroad – If you’re traveling internationally, your regular health insurance may not apply. Travel insurance can cover medical treatment, hospital stays, and even emergency evacuations.
Rental Cars: Are You Already Covered?
If you’re renting a car during your trip, check your existing auto insurance and credit card benefits before purchasing additional coverage. Many personal auto policies extend coverage to rental cars, but it’s important to confirm details with your provider. If you want extra protection or don’t want to risk a claim on your policy, rental companies offer short-term coverage options.
Vacation Rentals & Liability Protection
Renting an Airbnb or vacation home? If you accidentally damage the property, the host may charge you. Some credit cards and travel insurance policies offer vacation rental protection, helping cover accidental damages. Additionally, personal liability insurance from your homeowners or renters policy may protect you if you unintentionally cause injury or property damage while traveling.
Protecting Your Belongings on the Go
Spring break hotspots are prime targets for theft. If your belongings are stolen from a hotel, rental car, or vacation home, personal property coverage from your homeowners or rentersinsurance may help cover the loss—even while you’re away from home. However, policy limits and deductibles apply, so review your coverage before your trip.
Spring Break Insurance Checklist
- Confirm what’s covered under your existing policies.
- Consider travel insurance if your trip is expensive or international.
- Check auto insurance or credit card coverage before renting a car.
- Keep digital copies of important documents, including insurance details.
Spring break should be about fun—not financial surprises. If you have questions about your coverage, contact Commonwealth Insurance Services at (502) 813-5436 before your trip to ensure you’re fully protected.
Safe travels and enjoy your spring break!
