Protect Your Investment
Travel Insurance.
Non-Negotiable.
You've invested thousands in your dream trip. One unexpected event — a medical emergency, a cancelled flight, a lost bag — can cost you everything. Travel insurance is the one thing Ms. Steph recommends to every single client, every single time.
Get a Complimentary QuoteWhy It Matters
6 Reasons You Need Travel Insurance
It's not about being pessimistic. It's about being smart. Here's what travel insurance actually protects you from.
Trip Cancellation & Interruption
Life happens. A family emergency, sudden illness, or unexpected job loss can force you to cancel a trip you've been planning for months. Without insurance, you could lose every dollar of your non-refundable deposits and payments. A good policy reimburses you for covered reasons — so you're not left absorbing the full financial hit.
Medical Emergencies Abroad
Your domestic health insurance often provides little to no coverage outside the United States. If you need emergency medical care, hospitalization, or surgery while traveling internationally, the bills can be staggering. Travel insurance covers emergency medical expenses so you can focus on getting well — not on how you'll pay for it.
Emergency Medical Evacuation
If you're on safari in South Africa or exploring a remote region of Portugal and need to be airlifted to a hospital, medical evacuation can cost $50,000–$200,000 or more. Travel insurance covers this — often in full. This alone is reason enough to never travel internationally without a policy.
Lost, Delayed, or Stolen Baggage
Airlines lose bags. Luggage gets delayed. Valuables get stolen. Travel insurance reimburses you for lost or stolen belongings and covers essential purchases when your bags are delayed — so a missing suitcase doesn't derail your entire trip.
Travel Delays & Missed Connections
Flights get cancelled. Connections get missed. When delays force you to book a last-minute hotel or rebook flights, those costs add up fast. Travel insurance covers additional expenses caused by covered delays so you're not paying out of pocket for someone else's problem.
Group Travel Protection
When one person in a group cancels, it can affect pricing and rooming for everyone else. Individual travel insurance policies protect each traveler independently — so one cancellation doesn't create a financial domino effect for the whole group.
Ms. Steph's Picks
Providers She Trusts
After years of booking travel for clients around the world, these are the two providers Ms. Steph recommends most — and can quote and book on your behalf.
Allianz Travel Insurance
Trusted by millions of travelers worldwide
Allianz is one of the most recognized names in travel insurance, offering a wide range of plans from basic trip cancellation coverage to comprehensive annual multi-trip policies. Their 24/7 global assistance hotline and strong financial backing make them a reliable choice for both domestic and international travel.
Best For
AllTrips annual plans cover every trip you take in a year — ideal for travelers who take 3+ trips annually.
Faye Travel Insurance
Modern travel insurance built for today's traveler
Faye is a newer, tech-forward travel insurance provider that has quickly earned a reputation for fast claims processing, a seamless app experience, and genuinely comprehensive coverage. Their policies include "cancel for any reason" upgrades, real-time trip monitoring, and instant reimbursements for many claims — a refreshing departure from the traditional insurance experience.
Best For
Faye's app-based claims process means faster reimbursements — often within days, not weeks.
Let Ms. Steph Handle It
Complimentary Quotes & Booking
Ms. Steph can provide complimentary travel insurance quotes and book your policy directly — whether you're traveling solo, as a couple, or with a group. She'll match you with the right plan based on your destination, trip cost, and coverage needs.
No pressure, no upsells. Just honest guidance from an advisor who has seen firsthand what happens when travelers skip coverage — and what a difference it makes when they don't.
The Selfish Luxury Traveler is an independent travel advisor affiliated with Fora Travel, Inc., a Virtuoso Agency. Travel insurance recommendations are based on personal experience and client outcomes. Policy terms, coverage, and pricing vary. Always review your policy documents carefully before purchase.