Coverage
Plans for every kind of trip.
Every BonaVia policy is a single trip or an annual multi-trip plan. The paths below help you land on the right one.
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Single Trip
One trip, protected door to door: the vacation, the mission trip, the semester abroad.
Choose this when you’re insuring one trip with a fixed return date.
What’s inside
- Trip cancellation & interruption
- If a covered reason keeps you from going, or cuts the trip short, this reimburses the prepaid, non-refundable trip money, up to the trip cost you insured.
- Emergency medical & evacuation
- Many US health plans stop at the border. This pays for treatment where you are, and for medically necessary evacuation: the benefit that can save a family from a six-figure bill.
- Baggage & delays
- Lost or delayed bags, stranded connections, missed cruise departures, reimbursed up to the plan limits.
- Pre-existing condition waiver
- On select plans, buying within the required window after your first trip deposit waives the pre-existing condition exclusion: the best reason to buy early.
Annual Multi-Trip
Every trip you take for a year, under one plan.
Choose this when you’re always on the road: business travel, frequent volunteering.
What’s inside
- One plan, every trip
- Covers each trip you take during the plan year, up to the plan’s per-trip length limit: no buying protection five separate times.
- Medical-first structure
- Annual plans lead with emergency medical and evacuation, on every covered trip, all year.
- Cancellation works differently
- Per-trip cancellation carries per-trip limits rather than a percentage of one insured trip cost. If one expensive trip is the worry, single trip may fit better.
- Baggage & delays, year-round
- Lost bags and stranded connections are covered on each trip under the same plan limits.
Traveling with a group or a program?
Guided paths onto the same two plans.
Group Travel
One organizer enrolls the whole team: the tournament, the tour, the delegation.
Built on our annual multi-trip plans, enrolled together.
See group plans →
Mission & Service Trips
Team protection through a partner path, with sponsorship credit back to the organization.
Group protection built on our single-trip and annual plans.
Get My Quote →
Student Travel
A semester abroad, covered from departure to return.
Runs on our single-trip plans.
Get My Quote →
Visitor Medical
Medical protection for family and guests visiting the US.
Visitors-to-the-US coverage, via our single-trip medical benefit.
Get My Quote →Running an organization? Turn your members’ travel into support for your cause →
This page describes plan structure in general terms and is not a policy. Benefits and limits vary by plan and by state, and are subject to the language of the policies as issued.
Questions people ask
What does travel insurance actually cover?
Three kinds of trouble: money already spent on a trip that cannot happen, getting sick or hurt away from home where a domestic health plan often thins out or stops at the border, and the delays and lost bags that turn a trip into a series of unplanned purchases. Exact benefits and limits vary by plan and state.
What is the difference between a single trip plan and an annual plan?
A single trip plan is priced as a percentage of what the trip cost and leads with trip cancellation, so it fits one expensive journey. An annual multi-trip plan is a flat yearly price covering every trip you take, with smaller cancellation limits — better when you travel often and each trip is modest.
Does my health insurance cover me when I travel?
Often less than people expect. Many US health plans reduce or end coverage outside the country, and Medicare generally does not pay for care abroad. Travel medical benefits are designed to sit in that gap, and emergency evacuation is the part no health plan replaces.
When should I buy?
Ideally soon after the first trip payment. Some benefits, including the pre-existing condition waiver on select plans, depend on buying within a set window after that first deposit — and cancellation coverage only helps for things that have not happened yet.
Can a group be covered together?
Yes. One organizer can enroll a whole group in a single purchase matched to the destination and dates, so nobody quietly travels uncovered. Larger rosters are enrolled with us directly.