Travel insurance can help protect your family from unexpected expenses when travel plans change. But with so many coverage options and policy terms, knowing what to look for can be confusing.

In this guide, we break down the differences between trip-specific and annual travel insurance, including who each option may be best suited for. We also explain important terms like trip cancellation, trip interruption, emergency medical coverage, medical evacuation, pre-existing conditions, exclusions, and Cancel For Any Reason (CFAR).

Whether you're planning one big international adventure or traveling multiple times a year, learn what to look for in a policy—and why reading the fine print matters.