Protect Your All-Inclusive Getaway
Luxury all-inclusive vacations offer effortless relaxation, curated amenities, and memorable experiences in some of the world’s most desirable destinations. Whether you’re enjoying an oceanfront suite in Mexico, a private villa in Costa Rica, or a family retreat in the Caribbean, protecting your trip with the right travel insurance ensures every detail of your getaway stays worry-free.
Even the finest resorts cannot prevent unexpected disruptions, sudden illness, or emergencies. Comprehensive holiday travel insurance safeguards the investment in your trip and provides access to high-quality care and support wherever you are in the world.
Below are the top insurance options designed to complement upscale, all-inclusive travel.
Trip Cancellation Insurance for All-Inclusive Vacations
All-inclusive vacations often include high prepaid costs for accommodations such as premium suites, private transfers, excursions, and exclusive amenities. Trip cancellation insurance protects these non-refundable expenses if you must cancel or interrupt your trip for a covered reason.
It can also provide:
- Reimbursement for prepaid, non-refundable costs
- Coverage for delayed or lost luggage
- Protection for boutique airlines, regional carriers, or private flights
- Benefits that ensure smooth rebooking and trip continuity
For US Citizens and Residents
Pathway Premier
- Comprehensive Travel Protection and Travel Medical Insurance
- Available to U.S. residents traveling for up to 90 days within the U.S. and internationally
- Optional CFAR, IFAR, Rental Car Damage, and Adventure Sports coverage
iTravelInsured Trip Cancellation Insurance
- Three tiers of trip protection for U.S. citizens and residents traveling overseas
- Includes $500,000 Emergency Medical and $1,000,000 Medical Evacuation coverage
- Optional Cancel for Any Reason (CFAR) upgrade available
For International Citizens
World Nomads Trip Cancellation
- Emergency medical evacuation and repatriation
- Coverage for baggage and personal gear
- Optional Cancel for Any Reason (CFAR) coverage for U.S. citizens and residents
Optional Cancel for Any Reason (CFAR) Coverage
For travelers who want maximum flexibility, some plans offer a Cancel for Any Reason (CFAR) upgrade. CFAR allows you to cancel your trip for reasons not covered under standard trip cancellation policies, such as personal schedule changes, shifting comfort levels, or unexpected conflicts. Most CFAR benefits reimburse up to 50–75 percent of your trip cost, depending on the plan.
CFAR is especially valuable for luxury all-inclusive vacations booked far in advance, where resort availability is limited, and cancellation penalties are high. Adding CFAR gives you the freedom to adjust your plans without losing the investment in your trip.
Best CFAR Coverage for US Citizens and Residents
Safe Travels AnyReason
- Available to U.S. residents traveling within the United States and abroad
- 100% Trip Cancellation and Trip Interruption Coverage
- Emergency Evacuation and Repatriation
- 75% of Cancel for Any Reason (CFAR) is included within 7 days of trip deposit
Travel Medical Insurance for Upscale Resort Vacations
Regardless of how exceptional your resort is, unexpected illnesses or injuries can still happen. Travel medical insurance ensures you have immediate access to high-quality care without having to navigate unfamiliar healthcare systems or pay out of pocket.
This coverage is ideal when visiting destinations where:
- Medical facilities vary in quality
- You plan to enjoy water sports or activities
- You’re traveling with children or multigenerational family groups
- You want 24/7 medical support wherever you go
For US Citizens and Residents
Single Trip Platinum Travel Insurance
- For U.S. citizens and residents up to age 95
- Includes pregnancy coverage, baggage loss, trip interruption & more
- 24/7/365 service and assistance
For US and International Citizens
Patriot Platinum Travel Insurance
- Maximum limits up to $8,000,000
- IMG pays 100% of medical expenses in-network
- Evacuation due to Natural Disasters & Political Unrest
Emergency Evacuation Coverage for International Destinations
Even the safest and most exclusive destinations may lack access to advanced medical care. Emergency evacuation insurance ensures that if a serious illness, injury, or crisis occurs, you can be transported quickly to a top-level medical facility of your choosing.
This coverage is valuable for:
- Island destinations
- Remote luxury resorts
- Travelers who prefer control over where they receive care
- Situations where private or specialized transport is required
Best Specialty Evacuation Plan for US, Canadian, and Mexican Residents
MedjetHorizon Travel Protection
- Available to residents of the United States, Canada and Mexico under the age of 75
- 24/7 Travel Security Response and Evacuation Services
- All-Expenses-Paid Air Medical Transport in the U.S. and Internationally
- Covers Business and Personal Travel
Adventure Sports Coverage for Resort Excursions
Luxury resorts often offer premium recreational activities, such as snorkeling, scuba diving, zip-lining, private boat tours, jet skiing, and more. Many standard insurance plans exclude these activities, leaving travelers uninsured during popular resort excursions.
Best Overseas Adventure Travel Plan
World Nomads Travel Insurance
- Coverage for 200+ adventure activities
- Generous benefits for lost and stolen bags and gear
- 100% Trip Cancellation and Trip Interruption
- 24/7 emergency assistance
Ensure Peace of Mind for Your All-Inclusive Trip
The right travel insurance ensures your vacation stays relaxing, enjoyable, and completely worry-free, even if the unexpected happens. With comprehensive coverage in place, you’ll be protected against:
With these protections in place, you can focus entirely on the experience, knowing that every detail of your all-inclusive getaway is supported by dependable, high-quality coverage.
Joe Cronin, President of ICI, is a leading expert in international health, life, and travel insurance. An MBA and founder of multiple global businesses, he helps expatriates and travelers access trusted, comprehensive insurance solutions worldwide.
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