July 1, 2026 · 5 min read · Strato Curated Collective
The two events insurance is really for: medical emergencies abroad and trip cancellation for a covered reason. Lost luggage is a nice bonus.
Buy within 14–21 days of your first trip deposit if you want pre-existing condition waivers. Miss that window and coverage narrows.
'Cancel for any reason' upgrades exist and are worth pricing on trips with long lead times or non-refundable deposits.
We present insurance options with every quote. Declining coverage is a decision — one we ask you to make in writing so nobody is surprised later.