How travel insurance is evolving to support modern journeys

13 Jan 2026

Travel disruptions—from delays to cancellations—are increasingly shaping both leisure and business travel, changing what travelers expect from insurance. Modern travelers want more than reimbursement; they seek real-time support and services that help keep trips on track. Robert Gallagher of Zurich Cover-More highlighted that travel insurance now plays an active role throughout the trip, combining coverage with assistance services. Advances in data and AI are enhancing underwriting, claims handling, and responsiveness, making travel insurance more integrated into the overall travel experience.

On-demand travel insurance reshapes specialty market

12 Jan 2026

Travel insurance is evolving to meet the expectations of digital-native millennials and Gen Z, with MGAs offering flexible, app-based policies, real-time adjustments, and embedded coverage within bookings. Central to success is a smooth, responsive claims experience, as delays or handoffs frustrate customers. Pre-underwriting and on-demand models help simplify products and speed up service, while brokers and insurtech partnerships drive much of the sector’s innovation. Review platforms and AI-driven search are increasingly shaping trust and visibility. Overall, specialty insurance must be mobile-first, simple, and fast to remain relevant.

War, booze and mopeds: Travel insurance coverage gaps that may surprise you

10 Jan 2026

Travel insurance often comes with unexpected exclusions that travelers may not realize. Standard policies may not cover disruptions due to war, civil unrest, or military activity, and risky activities like moped riding, kayaking, zip-lining, safaris, or skiing are often excluded. Intoxication can also void medical benefits, and some countries—due to advisories or sanctions—may be explicitly excluded. Consumers can buy tailored add-ons, like cancel-for-any-reason or interruption-for-any-reason coverage, to increase protection, though these options are costlier and typically must be arranged before the trip starts. Awareness of these limits is key to avoiding surprise out-of-pocket costs.