Rani Alfers Insurance Agency | Texas Licensed

You’ve planned the flights, the hotel, the whole trip. Covering it is the easy part, and it only takes two minutes.

Travel medical and trip cancellation coverage, sorted online before you finish packing.

CHOOSE YOUR COVERAGE

You already did the hard part, picking where to go. This part takes two minutes.

Staying Healthy Wherever You Land

Doctor visits, hospital care, and emergency evacuation if you get sick or hurt abroad. Placed through Blue Cross Blue Shield Global Solutions.
Get My Medical Quote

Protecting What You Already Paid For

Get your money back if life cancels the trip, including a cruise where the cancellation fees start well before you’d expect. Placed through HTH Travel Insurance
Get My Trip Quote

Not sure which one you need? Most travelers carry both. Here’s why.

Travel Insurance

Personal Note

“Some of my best memories are with a passport in my bag and my son next to me somewhere brand new, both of us wide-eyed for different reasons. Travel is not something I do on the side. It is part of how I choose to live, and it is why I never book a trip without knowing we are covered if something goes wrong along the way. Live life. Let us help protect it, wherever it takes you next.”

Rani Alfers, Owner

Five reasons this takes two minutes, not two phone calls

  • Your health plan stays home when you leave the country. Most U.S. health insurance is built for U.S. networks. Cross the border, and most of it stops paying.

  • Medicare doesn’t pack a bag either. Outside a handful of narrow exceptions, Medicare doesn’t cover care overseas at all, which catches a lot of travelers off guard.

  • A bad day on a trip can cost more than the trip did. Emergency evacuation alone can run $15,000 to over $100,000 depending on where you are and how far you need to go.

  • A cruise can cost you everything if you cancel late. Most major cruise lines keep 100% of your fare if you cancel within 14 days of sailing, even if you’re the one who got sick. Trip protection is what gets that money back. Source: All Things Cruise

  • You already did the planning. This is the two-minute part, not the two-week part. Pick your coverage, answer a few questions, done.

Don’t wait to book this one

Here’s the part most people don’t know, and it’s not about price going up the longer you wait. It’s about a clock that starts the day you make your first trip deposit, not the day you fly.

Most trip cancellation plans require you to buy within about **14 days of that first payment** to lock in coverage for any pre-existing medical condition. Miss that window, and a claim tied to a condition you already had, even one that’s well managed, can be denied outright. Some plans also offer an upgrade called Cancel For Any Reason, which typically has to be purchased within **10 to 21 days** of that same first deposit, after that, it’s off the table for this trip, permanently.

There’s a second reason timing matters. If a hurricane, an outbreak, or another major event is already in the news when you buy, most policies won’t cover a cancellation tied to that specific event. Buy before it happens, and you’re covered. Buy after, and that door’s closed.

The short version: book your trip, then book this within the same week or two. Waiting doesn’t just risk a higher price, it can quietly take real coverage off the table before you ever get to use it, on the exact kind of expensive, non-refundable trip this matters most for.

(Sources: Unfinished Man, USA Travel Health Insurance)

This Is Why It Matters To Us

We’ve never believed in quoting one line and calling it done. Travel coverage is no different, once you have seen what happens without it.

When a few sick days turn into a real emergency:

This spring, norovirus swept through a cruise ship so fast that more than 100 passengers and crew came down with it before the ship even reached port. Most cases pass in a day or two on their own. Some don’t, and a ship’s medical bay isn’t built for the ones that don’t. If you need to be evacuated to real care, that can run anywhere from $15,000 for a helicopter lift to over $100,000 for a longer trip home, depending on how far you are from land. (Sources: Fox News, TravelCare Air)

Travel Insurance
Travel Insurance

When a layover turns into a hospital stay:

Kalin Rytina was 28, flying home from a trip to Guatemala, when a layover in Panama turned into a stroke. Blood clots had traveled to her brain. Her family ended up starting a GoFundMe for $45,000 in medical bills, because her health insurance stopped covering her the moment she left the country. (Source: Moneywise)

When the same bad luck has a different ending:

Not every version of this story ends in a GoFundMe. One HTH customer, Marvin from Washington state, had to cancel a trip when his wife had a stroke right before they were set to leave. HTH paid the claim in full. Same kind of terrible timing, a completely different outcome, because it was already covered. (Source: Squaremouth)

Travel Insurance

That’s the whole point of this page. Not to scare you out of a trip you’ve been looking forward to, just to make sure you’re the family in the third story, not the first two.

How It Works

1. Pick medical, trip protection, or both.

2. Answer a few quick questions online.

About two minutes, the same as checking in for a flight.

3. Get your documents and go.

Coverage is bound before you board.

Rather talk through the details first? Call us at (972) 661-5200. We insure travelers every day, and we’re glad to walk through it with you.

Who This Is For

You don’t need to be an extreme adventurer for this to matter. This is for the family flying internationally for the trip you’ve been saving for a year to take, the couple booking a cruise where a late cancellation means losing the whole fare, the snowbird spending the winter outside the U.S., and the traveler with a Medicare-age parent heading abroad, since Medicare’s gap is the one people find out about the hard way. It’s for anyone with real money on the line if plans change, and the trips that matter most are usually the ones with the most on the line.

FAQ

Travel Medical Questions

In most cases, no. Most U.S. health plans are built around domestic provider networks and offer little to no coverage once you leave the country.

Generally, no. Medicare does not cover care outside the United States except in a small number of narrow exceptions.

Travel medical insurance is short-term health coverage that pays for doctor visits, hospital stays, and emergency treatment while you’re outside your normal coverage area, typically internationally. You buy it for the length of your trip, and it works alongside, not instead of, your regular health plan.

It’s coverage that pays for transportation to the nearest adequate hospital, or home, when local care isn’t enough. Evacuation alone can run $15,000 to over $100,000 out of pocket without it.

It depends on the plan. Many trip cancellation plans include a pre-existing condition waiver, but only if you buy within about 14 days of your first trip deposit. Miss that window, and a claim tied to an existing condition can be denied.

Yes. Most Schengen countries require proof of travel medical insurance with a minimum of €30,000 in coverage for emergency medical and repatriation costs before they’ll approve a visa application.

It depends on your destination, trip length, and health history. Since Medicare doesn’t travel with you, this is one of the most common gaps older travelers close before an international trip.

There’s no set price. Cost is individually rated based on your trip length, destination, age, and coverage level, and you’ll see real numbers as soon as you enter your trip details.

Often, yes. Once a ship is in international waters, you’re typically outside any U.S. health plan’s network, and illness can spread fast in close quarters, as outbreaks on cruise ships show most years.

Trip Cancellation and General Questions

Travel medical insurance pays for healthcare you need while you’re traveling, including emergency evacuation. Trip cancellation and interruption insurance reimburses money you’ve already spent on the trip if you have to cancel or cut it short. Many travelers carry both.

Most major cruise lines charge 100% of the fare if you cancel within 14 days of sailing, with steep penalties well before that window even opens. Trip cancellation insurance is what gets that money back if the reason you’re canceling is a covered one.

It reimburses the unused, non-refundable portion of your trip, and sometimes the added cost of getting home, if a covered reason cuts your trip short after you’ve already left.

Because the clock starts on your first deposit, not your travel date. Most pre-existing condition waivers require purchase within about 14 days of that first payment, and the Cancel For Any Reason upgrade usually closes 10 to 21 days after that. Waiting doesn’t raise the price, it just takes those benefits off the table for good.

For trip cancellation coverage, within the same week or two as your first deposit, so you don’t miss the pre-existing condition or Cancel For Any Reason windows. Travel medical coverage can typically be added closer to departure, but don’t wait until the week you leave.

Travel medical coverage is built for outside your normal coverage area, which is most relevant internationally.

No. Both quote tools on this page are online and take about two minutes. If you’d rather talk through the details with someone, call us, we’re happy to walk through it either way.

Exclusions vary by plan and typically include pre-existing conditions without a waiver, extreme or high-risk activities, and travel to countries under certain government advisories.

COMPLIANCE DISCLAIMER

Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult with a licensed agent for details regarding your specific coverage. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services.

Live life. Let us protect it, even from the other side of the world.

You’ve already done the hard part of planning this trip. This part takes about two minutes, and the sooner you do it, the more of it you lock in.