Whether it’s a spontaneous beach getaway or a last-minute visit with family, summer is peak travel season, and planning late can come with risks. From overbooked flights to surprise fees and unexpected delays, last-minute trips can easily turn costly without the right preparation. If you’re planning a summer trip on short notice, here are a few ways to help protect your plans and your wallet.
1. Don’t Skip the Travel Insurance
Booking at the last minute often means less flexibility. If you need to cancel or delay your trip, you could lose a significant portion of your travel investment. Travel insurance can help cover costs related to delays, cancellations, and missed connections, especially when you’re working with tighter timelines. Medical coverage is also essential—most U.S. health plans don’t provide coverage abroad, and emergencies can be expensive.
2. Understand What Your Policy Covers
Not all policies are the same. Review your coverage carefully to see what’s included—trip interruption, medical evacuation, baggage loss, etc. Some plans may offer add-ons for adventure activities or higher-value items. If you’re booking travel through a credit card, don’t assume it includes full coverage. Read the fine print or speak with a provider to compare options.
3. Book Through Reputable Sources
Scammers know that last-minute travelers may be less cautious. Stick with trusted booking platforms, verified listings, and official airline or hotel websites. Avoid deals that seem too good to be true, especially if they require unusual payment methods or urgent decisions.
4. Check Travel Requirements
Even for domestic travel, requirements can change. International destinations may still have vaccine or entry documentation rules in place, and missing these details could result in denied boarding. Double-check passport expiration dates and destination entry policies before confirming your trip.
5. Plan for the Unexpected
Summer storms, crowded airports, and high demand mean more chances for disruptions. Consider purchasing your insurance at the same time you book your trip—some benefits, like coverage for pre-existing conditions or cancel-for-any-reason options, are only available during a limited window after booking.
Before you pack your bags, make sure your travel protection is in place. Learn more about what travel insurance covers and how to choose a policy that fits your needs: https://ustia.org/about-ustia/faq
