Worldwide Travel Insurance
Be Truly Free In Your Travels
Travel is one of the moments in time where you take the pressure off your chest and enjoy to your heart’s content. However, it is not as simple as it sounds. Unwanted circumstances may arise, no matter how prepared you are.
Travel insurance is affordable and highly customizable insurance that includes worldwide coverage from flight cancellation to medical coverage. It ensures that you and your family are protected during your trip. From the moment you leave until you return, no emergency or unexpected situation is left uncovered. Be it vacation or business travel, it is easy to stay within budget now with the help of travel insurance.
Quality Protection For Your Off Time
Coverage encompasses a variety of areas. This includes medical coverage and medical evacuation. It also covers trip cancellation and trip interruption. Additionally, it addresses trip delays and lost or delayed baggage. Furthermore, there is coverage for termination of employment and incidents related to terrorism. Whether you are traveling domestically or internationally, you can obtain a free quote with just a few clicks. Additionally, we provide clarification for any questions you may have. Blue Rock Insurance Services offers one of the lowest-cost travel insurance policies in the market.
Did you know?
Most travel insurance plans don’t cover pre-existing conditions. However, it will cover you if you get sick on the road
Some credit cards offer perks like travel insurance to their cardholders. Though credit cards, even the best, offer very limited protection. The coverage limit may be so low that you might be shocked when you have to pay the difference. In short, don’t rely on credit card coverage; if you must, make sure the coverage limit is acceptable for you
Retaining your invoices and receipts as proof of payments/expenses is crucial to filing your claim. Be sure to keep them safe until the end of your journey. If any emergency expenditure qualifies a coverage, your documentation may help you recover your losses
How Travel Insurance Works?
Travel insurance protects you financially from unforeseen events such as a sudden illness, lost baggage, or canceled plans. Here's how it works:
Choose a plan based on your trip cost, age, destination, and desired benefits.
Buy early—usually within 14 days of booking—for maximum coverage (including pre-existing medical waivers).
In case of covered events like trip interruption, file a claim with receipts and documentation for reimbursement.
Many policies even pay medical or evacuation expenses upfront during emergencies.
What Worldwide Travel Insurance Covers?
Travel insurance typically includes:
Trip Cancellation & Interruption – Reimburses prepaid costs if you must cancel or shorten your trip for a covered reason.
Emergency Medical & Evacuation – Covers overseas medical expenses and medical transport back home. Essential when your health insurance doesn’t apply abroad.
Lost, Stolen, or Delayed Baggage – Pays for personal items or essentials if your luggage experiences issues.
Trip Delay – Compensates for meals, lodging, and essentials when your trip is delayed.
Additional Assistance Services – Access 24/7 global support for lost passports, translator assistance, or emergency bookings.
Why You Shouldn’t Skip Travel Insurance?
Increased Travel Disruptions – Delays stem from weather, strikes, and aging infrastructure. Insurance protects your investment.
Domestic Policies Don’t Cover Abroad – Standard health or home insurance usually falls short when you’re overseas.
Credit Card Perks May Be Limited – Credit cards can provide some travel protection. However, they often do not include medical evacuation or complete baggage coverage.
How to Choose the Right Travel Insurance Plan?
Select Based on Risk & Trip Value – Insurance typically costs 4–10% of total trip cost.
Compare Coverage Types – Decide between single-trip vs. annual plans; check cancellation, medical, and bag delay limits.
Review Exclusions Carefully – Coverage may exclude pre-existing conditions, pandemics, or high-risk activities unless added via endorsements.
Travel Insurance vs. Health Insurance
Both can help with medical costs, but they’re designed for different situations. Here’s how they compare:
| Coverage Feature | Travel Insurance | Health Insurance |
|---|---|---|
| Primary Purpose | Protects trip costs and emergencies while traveling | Ongoing medical care and routine health needs |
| Overseas Medical | Yes — emergency medical & dental abroad (policy limits apply) | Varies — often limited or out-of-network outside the U.S. |
| Emergency Evacuation | Covered (medical transport/repatriation) | Typically not covered |
| Trip Cancellation/Interruption | Covered for specified reasons (prepaid, non-refundable costs) | Not covered |
| Baggage Loss/Delay | Covered (limits & sublimits apply) | Not covered |
| Travel Delay & Missed Connection | Covered (meals, lodging, rebooking per policy) | Not covered |
| Networks & Providers | Flexible — assistance coordinates approved care worldwide | Network restrictions; out-of-network costs can be high |
| Pre-Existing Conditions | Often excluded unless a waiver is added (buy early) | Covered per plan terms and waiting periods |
| Coverage Duration | Short-term (single trip or annual/multi-trip) | Ongoing, year-round |
| Cost Basis | % of trip cost, traveler age, destination, trip length | Monthly premiums, deductibles, copays, coinsurance |
| Add-On Benefits | Cancel For Any Reason (CFAR), adventure sports, rental car | Dental/vision riders, HSAs/FSAs, supplemental plans |
Get a Worldwide Travel Insurance Quote Now
Don't let unexpected travel issues derail your plans. Let Blue Rock help—fast, affordable, and tailored coverage awaits you.
Why Choose BlueRock Insurance Services
Custom plans designed for your needs—whether for business, leisure, solo travel, or families
Licensed across NY, NJ, PA, CT, and MA
Expert support—from quote and purchase to claims assistance and trip amendments
Frequently Asked Questions for Travel Insurance
-
It’s insurance covering overseas medical emergencies, trip cancellations, baggage mishaps, evacuation, and travel delays.
-
Yes—if purchased within a policy’s window (typically 14 days) and your health condition is disclosed.
-
Ideally right after booking. Early purchase secures maximum coverage and enables benefits like the pre-existing condition waiver.
-
Rates vary but typically run between 4–10% of your total trip cost; comprehensive plans offer the most protection.
-
That coverage may be limited. BlueRock’s travel insurance offers broader, more reliable protection, especially for medical or evacuation emergencies.
-
As licensed insurance brokers, Blue Rock works for you. We gather quotes from various carriers to find tailored, competitive solutions that meet your business needs. Brokers also assist with risk assessments, claims support, and regulatory updates.
-
After any loss or damage:
Contact your insurance carrier directly to initiate the claims process.
For guidance, you can also call Blue Rock at 718-886-6601 or email info@hibluerock.com. Include documents like loss receipts, photos, and police reports to help streamline the process.
-
Blue Rock is based in Flushing, NY:
Address: 133-36 41st Rd, Ste 2L, Flushing, NY 11355
Free Quote / General Inquiries:
Phone: 718-886-6601
Email: info@hibluerock.com
Our team is here Monday through Friday to guide you through quotes, policy selection, and claims assistance.
-
Founded in 2015, Blue Rock’s leadership brings more than 30 years of experience. They offer:
Access to many carriers for cost-effective coverage
Personalized, easy-to-navigate service powered by automation and transparency
Commitment to integrity, long-term relationships, and continuous education
General liability insurance is essential for New York businesses, from small shops to contractors. It covers bodily injury, property damage, and advertising injury claims—helping you stay compliant and financially protected. Learn how to find affordable coverage today.