Compare U.S. travel protection · 3 example tiers
One plan for the four things that actually ruin a trip — anywhere on earth.
Free quote · No medical exam · 24/7 assistance line
Every WanderShield plan is built around the same core protections. Limits below are examples — your actual limits are printed on the plan you choose.
Before you goReimburses prepaid, nonrefundable costs when a covered reason ends the trip — a sudden illness, a hospitalized parent, jury duty, or a named storm that closes your departure airport. Also covers the flight home if you have to leave early.
Example limit: up to 100% of insured trip cost
OverseasMost U.S. health plans travel poorly, and Original Medicare generally stops at the border. This benefit pays for doctor visits, hospital admission, prescriptions, and emergency dental work while you are abroad.
Example limit: up to $100,000 per traveler
The big oneTransport from a backcountry trailhead in Denali, a dive boat off Cozumel, or a village clinic in the Andes to the nearest adequate facility — and, when it is medically necessary, all the way home.
Example limit: up to $500,000 per traveler
On arrivalWhen a checked bag disappears between Atlanta and Lisbon — or shows up two days after you do — this covers replacement essentials, plus stolen items such as a camera lifted on a train platform.
Example limit: up to $2,500 baggage, $500 delay benefit
In transitA mechanical hold in Chicago or a February whiteout in Denver can cost you a night, a meal, and a cruise departure. Delay benefits cover the hotel, the meals, and the cost of catching up to your itinerary.
Example limit: up to $2,000, $250 per day after 6 hours
Different itineraries fail in different ways. These are the shapes of trip where each benefit tends to matter — illustrative examples, not a coverage promise.
Prepaid resorts and nonrefundable flights are the classic cancellation exposure when a named storm forms.
The farther the trailhead is from a hospital, the more the evacuation benefit matters.
Multi-country itineraries mean multiple health systems — and clinics that expect payment at the desk.
Tightly timed group departures rarely wait, so a delayed first leg can cost the whole booking.
Scroll the row to see more. Whether any specific loss is covered depends entirely on the plan you buy and the reason for the loss.
Example premiums shown for a $2,500, 8-day trip and a traveler age 35 on a sample itinerary. Your price depends on age, trip cost, travel dates, destination, and the plan you pick.
Domestic trips and short getaways where the main risk is money already spent.
from about $67example premium
The plan most WanderShield travelers pick for international itineraries.
from about $118example premium
Adds an optional Cancel For Any Reason upgrade for plans that qualify.
from about $171example premium
Availability, limits, and pricing vary by state and by underwriter. Cancel For Any Reason and pre-existing condition waivers carry purchase deadlines and eligibility rules described in the plan documents.
No mystery, no runaround. Here is the route a claim travels from the moment something goes sideways to the day the money lands — timelines are typical, not guaranteed.
One number reaches a live coordinator whether you are in Reykjavík, Rome, or Riviera Maya. They can find an English-speaking clinic, arrange a cash advance to a hospital, or start an evacuation.
Itinerary, receipts, the airline delay notice, the clinic record. Snap photos with your phone and upload them from the road — no faxing from a hotel business center.
A licensed claims adjuster checks the loss against your policy terms and tells you plainly what is covered, what is not, and whether anything is still missing.
Approved claims are paid by direct deposit or check. For large medical events, the assistance team can often arrange direct payment to the hospital so you never front the money.
Every claim is decided on its own facts under the terms of the policy you buy. Approval, amounts, and timing depend on your plan documents and the underwriter’s review.
None of these are exotic. They are the ordinary failures of moving people across the planet — and the reason a policy exists at all.
Rescue and transport off a mountain, out of a canyon, or off a boat is billed privately and priced by distance. Evacuation coverage exists because the ambulance may be a helicopter.
Airlines owe you a seat on a later flight — not a hotel room, not the cruise you just missed. Delay and missed-connection benefits are what pay for the catching up.
Many expect settlement before you leave the building, then leave you to file for reimbursement at home.
Baggage benefits cover the essentials you have to re-buy while a checked bag catches up to you.
The assistance line is staffed year-round and can find a clinic, call your family, and arrange transport.
Hospitals abroad generally expect payment at discharge. Airlines owe you a seat, not a hotel. Cruise lines keep the deposit when you miss the gangway. Travel protection is the only thing on your itinerary that pays you back.
Figures above are illustrative examples for context only — not quotes, estimates, or promises of what any claim will pay.
Composite reviews from WanderShield travelers. Names and details are illustrative examples created for this demo listing.
Our Anchorage flight was scrubbed the morning a storm rolled through Seattle-Tacoma, and we missed the cruise embarkation. WanderShield walked me through the missed-connection paperwork on the phone while I was still standing at the gate.
I rolled an ankle on a cobblestone street in Porto. The assistance line found a clinic that spoke English, and I did not hand over a credit card at the front desk. That alone was worth the premium.
Both checked bags took three days to reach Maui. The delay benefit covered swimsuits, sunscreen, and a rental car seat for our daughter. Reimbursement landed by direct deposit about a week after I uploaded receipts.
Cancellation coverage only helps for events that happen after the policy is in force, and the time-sensitive upgrades have their own deadlines. A two-minute call tells you which window you are still inside.
Deadlines, eligibility, and benefits vary by plan, state, and underwriter. Nothing here is an offer of coverage.
The Travel Protection Guide takes about eight minutes to read and will save you from the two mistakes travelers make most: buying too late, and assuming a credit-card benefit is the same as a policy.
