Travel Insurance You Buy Once for the Whole Year

The Trip You Sometimes Get

You put real time into your trips. You research where you're going, compare flights, book the hotel, figure out what's actually worth doing once you land. By the time you leave for the airport, you've thought through most of it. What you probably haven't spent much time thinking about is what happens when the trip goes wrong for reasons that have nothing to do with you.

You're flying from Miami to Los Angeles. Somewhere in the middle of it you end up stuck at the Houston airport on a layover you didn't want, running on no real sleep in 24 hours, and all you're trying to do is sit down at the gate for five minutes before they call your group. While you're sitting there, the airline goes out of business. (Here's looking at you, Spirit. We miss you, old friend.)

That actually happened in April 2025. People who were mid-trip found themselves sitting in airports in cities they had no connection to beyond a layover, and suddenly the airline they were flying simply didn't exist anymore. No rebooking, no customer service number to call, no obligation from the now-defunct company to get them where they were going. Just a phone, a credit card, and the realization that getting home was entirely their problem to figure out and pay for.

That's the trip you sometimes get. Not because you did anything wrong, but because something entirely outside your control went sideways and took your plans with it.

It doesn't have to be an airline folding, either. You could end up in a hospital overseas where nobody speaks your language. Your bag could land in Phoenix while you're standing in Rome with nothing but what you wore on the plane. A single missed connection could cascade through the rest of your itinerary, and half the reservations along the way are non-refundable. A family emergency back home could mean you never leave at all, and every dollar you put into planning the trip is gone.

Without travel insurance, every one of those situations comes out of your pocket. And those are not small numbers.

Why I Do This

My name is Lenny Burton. I hold a CLU designation and I'm licensed in Florida, Ohio, Indiana, and Texas.

I love to travel. I also know how much time and money goes into planning a trip, and how none of that planning protects you if something goes wrong once you're out the door. That's the part I help with. I want to make it as easy as possible for you to leave for a trip knowing that if the unexpected happens, there's a plan already in place that doesn't require you to figure everything out on your own from a hotel room in a country you've never been to before.

When you tell me how you travel, where you go, how often, how long you're usually gone, I can walk you through which plan fits your situation and what it costs. It's not a long conversation, and you'll walk away knowing exactly what you have and what it does.

How to Get Started

• Tell me how you travel. How many trips you take in a typical year, where you tend to go, and how long you're usually gone.
• I match you to the right plan. If you travel more than a couple of times a year, the annual plan almost always makes more sense on both price and scope of protection than buying a separate policy every time. If it's a single trip, we look at single-trip options.
• You go on your trip. If something goes wrong, the plan is already in place. Trip cancellation, trip interruption, medical, emergency evacuation, delayed or lost baggage, missed connections. And there's a real person you can call at two in the morning from wherever you happen to be in the world.

Typical Coverages Include

Arch RoamRight Multi-Trip plan, underwritten by Arch Insurance Company.

• ✈️ Trip cancellation and interruption
• 🚑 Medical evacuation and repatriation of remains
• 🏥 Emergency accident and sickness medical expenses*
• 🦷 Emergency dental treatment*
• 🛡️ Political or security evacuation
• ⏱️ Trip delay, including hotel, meals, and local transportation
• 🔗 Missed connection
• 🧺 Baggage and personal effects
• 👕 Baggage delay for clothing and essentials
• 📞 24/7 worldwide assistance through On Call International with real people on the line: medical referrals, translation services, emergency cash advance, lost passport help, and emergency transportation coordination

* Benefits are secondary to other coverages.

This is a casual overview. Run a quote for the full benefit schedule, limits, and everything included in your policy.

Things Worth Knowing

• Each trip can be up to 30 days and must be 100 or more miles from your primary residence. If you're planning a longer trip, call me and we'll look at options that fit.
• 14-day free look period. If you buy the plan and change your mind within 14 days, you get a full refund of your premium, as long as you haven't departed on a trip or filed a claim. Zero risk to try it.
• Pre-existing conditions. The plan has a 180-day lookback period for pre-existing medical conditions. There is a possible waiver of the pre-existing conditions exclusion when certain conditions are met. Contact me for details on whether you qualify.
• What does it cost? Rather than give you a ballpark number that may have nothing to do with your situation, you can get an actual quote in a few minutes through the link below, or just call me and I'll walk you through it.

What You're Actually Risking Without It

A medical evacuation from overseas averages around $50,000, and depending on the location and severity, the number can climb well past that.

A canceled international trip with non-refundable hotels, tours, and airfare can easily represent THOUSANDS in losses with no mechanism for recovery.

A delayed bag means walking into shops in a foreign city and paying whatever they charge for the basics you need to get through the next few days, at prices that have nothing to do with what those items would cost at home.

Some credit cards include a travel protection benefit. For it to apply, you typically need to have:

• Booked the trip on that specific card
• Met the qualifying conditions at the time of purchase
• An incident that falls within the terms of that particular benefit

Even when all of that lines up, credit card benefits generally don't extend to:

• Emergency medical treatment overseas
• Medical evacuation
• Political or security evacuation
• Trip interruption for family emergencies

The caps tend to be low, the scope tends to be narrow, and most people don't find out exactly where the limits are until they're trying to use it.

Travel insurance spells out what's included and what isn't before you leave. There's no ambiguity about it after the fact.

What Other Travelers Are Saying

I generally advise my clients not to publicly disclose that they've purchased a financial product. It's a privacy matter, and in most cases there's no reason for anyone else to know what you have in place. Travel insurance is a little different though, because people love sharing travel hacks, and there is no better travel hack than protection while traveling.

Rather than take my word for it, read what other travelers have said:

Travel Like Someone Who Has a Plan

Think about the next trip you're planning. Now think about what it would feel like to be on that trip and know that if something goes sideways, whether it's a canceled flight, a medical situation, or luggage that never shows up, the financial side of it isn't going to land entirely on you. There's a plan in place, there's a number to call, and the process for handling it already exists before you ever need it.

That's the difference. The trip doesn't have to go perfectly. You just get to come home without a story about how one bad day wrecked the whole thing.

If you travel more than 100 miles from home more than once a year, buying travel insurance is a good idea so you can just enjoy yourself.