Is travel insurance necessary?

In short, yes! But there are so many variations and options with travel insurance, so it’s important to work with a qualified professional who understands the intricacies of different plans. That’s where we can help!

We have countless stories to share about how travel insurance has ‘saved the day’ with clients as any number of issues can arise while traveling. At Global Citizen Journeys, we plan for most scenarios, but the unexpected can arise. Whether it’s a natural disaster, a security threat or a medical issue, travel insurance can literally save your life. Plus you have 24-concierge, medical and logistics assistance while traveling!

In fact, we’ve even been thanked in a book called If Something Should Happen in which our client’s credit card insurance left her stranded in Tibet after a series of random events including an earthquake and appendix rupture. With the additional coverage that Joshua arranged, she made it home safely and continues to explore the world to this day.

Our strategy isn’t not to sell you on the most comprehensive policy, rather choosing the policy that is right for you for that trip. Do you have embedded insurance through your credit card? Is your airline ticket refundable? Are you going to a remote destination? Will you be driving a car? Has your health declined? Are you an adventure-seeker who will try anything once? These are all questions that can impact which policy and potential add-ons are best for you!

As a foundation, we recommend an annual plan as it covers any trips within the course of a year that are at least an overnight and 100 miles from your residence. If the benefits aren’t used on your first trip, the coverage simply rolls into your following trips over the course of a year until the maximum limit is met. You can feel safe knowing you’re covered with support in categories of trip interruption, missed connection, baggage, medical and emergency evacuation.

If you’re not a frequent traveler or want to insure the financial investment of traveling, you can purchase trip specific coverage. We’ll assess the areas of concern which could be based on the destination, the time of year, trip inclusions, the cost and any extenuating personal circumstances. There are multiple levels of coverage, but there are also add-ons depending on your needs including upgrade flight accident benefit, car rental collision, emergency evacuation upgrade or choice of hospital selection. Please keep in mind that your insurance must be secured within 15 days of deposit in order for pre-existing conditions to be waived along with trip cancellation or interruption due financial default & $25,000 of flight accident.

If you’ve booked your trip with Global Citizen Journeys, we’re at your side the entire time and will help navigate any resolutions with your trip including the submission of claims. Otherwise, you’ll have a team of service representatives to help you continue with your journey and ultimately home through the purchase of travel insurance.

It’s not about having travel insurance, it’s about having the right kind of travel insurance!

We’re happy to provide a quote to you, so feel free to reach out at travel@globalcitizenjourneys.com. 

State laws dictate the type of travel insurance coverage that is available and the premium for each policy is determined by the trip cost. Below is a list of example policies from Chubb Insurance for a California resident (as of March 2026):

Due to state law, at this time, we are unable to answer questions regarding policies for residents of Hawaii, New York, Iowa, Washington and Michigan, however we can facilitate a conference call directly with the company.

We also are licensed to see Travelex Travel Insurance, which has both Basic coverage (for insured amounts under $10,000 per person) & Select coverage as well as Travel Insured International which has a Worldwide Trip Protector and Allianz which offers various options.