How travel insurance is evolving to support modern journeys

Travel disruption has become a defining feature of leisure and business trips as delays, cancellations and unexpected events increasingly shape traveler behavior.

At the same time, expectations for support have expanded beyond reimbursement alone, with travelers looking for real-time assistance and services that help keep trips on track. As risk becomes more complex, travel insurance is being redefined as an active part of the overall experience rather than just a passive safety net.

During an interview in the PhocusWire studio at The Phocuswright Conference, Robert Gallagher, Zurich Cover-More head of North America, discussed how travel insurance supports travelers before, during and after their trips.

He explained how both insurance coverage and non-insurance services play a role in maintaining continuity and how advances in data and artificial intelligence are improving underwriting, claims processing and overall responsiveness.

Watch the full discussion below.

Travel Forward: Data, Insights and Trends for 2026, sponsored by Travel Guard

Sign up for this free webinar, Thursday, January 15 at 11 a.m. EST, to hear from Phocuswright's analysts on how to use the data in their Travel Forward report to drive success in the year ahead. The discussion will include global and regional marketing sizing, consumers trends in the U.S. and Europe and data on short-term rentals, corporate travel, loyalty, luxury and AI.

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