Travel Insurance from Expedia

Last updated: January 21, 2016 - 10:51pm EST

Looking for a little extra peace of mind on your trip? You may want to consider getting travel insurance when booking travel on sites like,, and

Here's what Expedia offers in terms of travel protection plans, in order to be ready for the unexpected.

How do I get a Travel Protection Plan?

You will automatically have the option to add a travel protection plan whenever you are booking an itinerary for which that plan is applicable. Just look for the baggage shield icon () when you get to the final screen before completing your booking (the one where you have to enter your billing and contact information). See these tutorials for further information:

Types of Travel Protection Plans

Expedia Package Protection Plan

This plan applies mainly to vacation packages, usually consisting of at least a flight and hotel booking. It is meant to protect you from elements before and during your trip, including:

  • If you need to change or cancel your flight before you leave, for any reason (one time only)

  • If your flight is significantly delayed

  • If you need to return home mid-trip because of an emergency

  • If you need to pay for any emergency medical bills

  • If your baggage is lost, stolen, damaged, destroyed, or significantly delayed

  • If you or someone you are traveling with is seriously injured or killed in an accident

  • If you need to call someone for any other type of emergency travel or medical assistance

Expedia Vacation Waiver

This is similar to the package protection plan, except that it only covers you if you need to change or cancel your flight before you leave. If you're just worried about whether or not you'll be able to make your flight at all, and not so much about what will happen after you're already on it, then pick this plan.

  • You can use this plan one time only, before the time you are scheduled to leave.

  • You may cancel or change your flight for any reason.

  • Expedia will pay for any change or cancellation fees from the airline.

  • You will be given credit to use towards a flight in the future.

  • The future flight must be with the same primary passenger on the same airline.

Expedia Cancellation Plan

Similar to the vacation waiver, this plan compensates you if you need to cancel your trip before you leave or during your trip, if you or someone closely related to you becomes critically ill or injured.

  • This plan only compensates you if you wish to cancel your trip, not change it.

  • It covers medical emergencies only, and requires a doctor's note.

  • It is available only for packages that include flights totally within the continental United States.

Expedia Total Protection Plan

This plan is sort of a mix between the cancellation plan and the package protection plan, and usually only applies to packages that have flights booked, but not hotel rooms.

  • Like the cancellation plan, it allows you to be compensated if you cancel your trip before you're scheduled to leave or after you've already left, though only for doctor-certified medical emergencies.

  • Like the package protection plan, it also protects your luggage against loss, theft, damage, destruction, or significant delay. It also covers emergency medical bills, and can compensate you if you or a traveling partner is seriously injured or killed in an accident. Finally, it includes 24/7 emergency traveler's assistance.

Cruise Travel Protection

As its name implies, this plan is for packages that include cruises. It offers you protection and/or compensation:

  • If you have to cancel your cruise because you or a close associate has a medical emergency

  • If your cruise is significantly delayed

  • If you have to pay for any emergency medical bills

  • If your luggage is lost, stolen, damaged, destroyed, or significantly delayed

  • If you need to call someone for any other type of emergency travel or medical assistance

Car Rental Insurance

This plan covers your expenses, above and beyond your regular car insurance, if your rental car is damaged by forces of nature (fire, flood, hail, wind, etc.) or by anything else that isn't your fault.

Is Expedia's Travel Insurance Worth It?

The answer to this, like a lot of similar questions, is "it depends". There are a number of factors that may make you decide that you want the extra protection or not. Here are a few things to consider.

  • How well does your other insurance cover you? There are some things included in Expedia's travel insurance plans that your other insurance plans don't cover, and there are some things that they do. Consider what things are most likely to pose a problem for you personally on your trip, and ask whether the insurance you have already covers those things or not.

  • How dangerous is your trip destination? There are some places that are prone to extreme weather conditions, while others are notorious for thievery and violence. Again, consider what the biggest risks are for you when traveling when deciding on your insurance plan.

  • Did you read the fine print? Again, we know that a lot of people don't like doing it and/or don't bother doing it. But a lot of people who complain on the Internet about Expedia's travel insurance plans being useless probably didn't realize that there are specific situations in which they do or do not apply. For instance, some of them only reimburse you if you outright cancel your trip instead of changing it, and only for a medical emergency verified by a doctor.

  • Are you getting value for money? This kind of goes hand-in-hand with the other points made so far. There are some places where you will be able to buy travel insurance at a lower rate. Also, in some places, you may be able to get travel insurance that is more expensive, but has more covered scenarios and/or doesn't have as many restrictions in the fine print. Do a bit of shopping around to find a good balance of price versus broadness of coverage.

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