Why Buy Travel Insurance?

Travel Insurance may be able to cover you in unforeseen circumstances.
• In case you have to cancel or cut your trip short due to a family medical emergency, natural disaster, or vendor bankruptcy.
• You will be covered for overseas medical expenses and emergency transportation to the United States.
• You will get money to help cover the costs of lost or stolen baggage.
• You have a 24/7 travel assistance program available to help you with travel emergencies.
• If you don’t purchase travel insurance, your deposit or final payment will not be refunded outside of the terms on your invoice.

Tom’s Trips recommends:
Before purchasing, take time to research the different travel insurance companies and policies available to find the one that best fits your individual needs. Coverage options can vary, so compare plans that include protection for airline cancellations or delays, lost luggage, trip interruptions, and medical emergencies.

It’s also a good idea to read reviews and compare different insurance companies, as well as ask other frequent travelers what insurance providers they trust and use.

Additionally, check with your major credit card companies — many offer built-in travel insurance benefits when you pay for your trip using their card. These perks can sometimes include trip cancellation, baggage protection, or emergency medical coverage, depending on the card type and issuer.

A little extra research now can make all the difference in protecting your investment and peace of mind while traveling.

We recommend both third-party travel health and trip cancellation insurance

Most third-party plans will offer coverage for trip-cancellation and medical costs. 

While the ship does have a medical facility onsite for routine health issues and emergencies, your medical insurance likely will not cover medical expenses on ship or overseas. A serious matter involving medical evacuation or long-term injury could be extremely costly - sometimes over $30,000.

There are inexpensive options to make sure you are covered, often under $20-40 US per person. Many of these plans include a "sports rider" or similar coverage that will include coverage for sports injuries (like SCUBA diving, snorkeling, etc.). While these plans may or may not cover a BDSM related injury, we recommend that you purchase a travel insurance plan with sports rider coverage.

Trip Cancellation v. Travel Medical - know what you are buying

Note the difference between travel insurance and travel medical. Travel insurance usually is focused on cancellation, lost luggage, trip delays, etc; but is more expensive. Travel medical plans usually cover things 

like medical expenses and emergency medical evacuation, which is key.  Some travel insurance plans have both. At the very least you want to have medical. Some plans cover both, but will be the most expensive. 

UHC Safe Trip,   GeoBlue, and Travel Safe are examples of options that have medical only plans and/or full travel insurance coverage with cancellation and medical. Other companies that you may want to consider include: Travel Guard, or Allainz. Many of these, such as Allainz, also offers an annual plan that bundles trip cancellation and delays, and often is far less expensive than a single trip plan if you travel a few times a year or more. 

Important Notice

Please note that Tom's trips and Bliss Cruise are not responsible for your travel insurance, medical needs, or injuries while traveling. Tom’s Trips is not an official licensed insurance company and therefore does not sell travel insurance.  We HIGHLY recommend that you purchase travel insurance for your trip.  It is best to purchase travel insurance when you book your trip.