About

Layover Cover is an independent educational site for U.S. travelers who want to understand and compare travel insurance before they buy. We explain how trip cancellation, emergency medical, evacuation and baggage coverage work, what typically drives the price, which exclusions cause the most surprises, and how claims are filed and decided.

The site is written for individuals and families planning leisure trips, as well as small groups and business travelers who need a plain-English starting point. Our tools, including a premium estimator, a quote comparison calculator and a buying checklist, are designed to help you ask better questions of insurers and agents, not to replace them.

We do not sell insurance, we are not a licensed agent or broker, and we do not rank specific companies or publish live prices. Dollar figures in our guides are illustrative examples unless an official source is named. Policies, state rules and insurer practices change, so always rely on the actual policy document and your state insurance department for decisions. See our editorial policy and disclaimer for more detail.

How this site is made

Layover Cover is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.