What is property and casualty insurance?

Property and casualty insurance covers businesses and individuals against risks such as property damage, liability claims, and accidents.

What insurance does a small business need?

Most small businesses need general liability, workers compensation, commercial property insurance, and possibly professional liability depending on their operations.

Do you offer insurance in multiple states?

Yes, Insurance Plus LLC provides insurance services across Missouri, Iowa, Kansas, and Illinois.

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Travel Insurance in Missouri

A travel insurance policy protects you from unexpected circumstances while traveling — from trip cancellations to medical emergencies abroad.

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What Is Travel Insurance?

Travel insurance provides financial protection against unexpected events that can disrupt or derail your travel plans. Whether you're planning a domestic road trip or an international adventure, travel insurance helps you take control over the potential costs of a trip gone wrong.

Travel coverage is truly indispensable for international trips, and for travelers of all ages and occupations, it's a great way to protect your investment in a vacation, business trip, or group getaway.

What Travel Insurance Covers

What's Typically Covered

Trip cancellation reimbursement

Trip interruption coverage

Emergency medical expenses abroad

Medical evacuation

Lost, stolen, or delayed baggage

Travel delay expenses

24/7 emergency assistance

Cancel for any reason (CFAR) options

Why Choose Insurance Plus?

Multiple Carriers

We compare options across our carrier network so you get the best coverage at the best price.

Personal Service

A dedicated advisor who knows your family and your policies — not a call center.

Claims Support

We advocate for you during the claims process from start to finish.

Frequently Asked Questions

When should I buy travel insurance?

Purchase travel insurance as soon as you book your trip. Many policies offer enhanced benefits like pre-existing condition waivers and cancel for any reason coverage when purchased within 14-21 days of your initial trip deposit.

Does travel insurance cover COVID-related issues?

Coverage varies by policy and carrier. Many travel insurance plans now include coverage for COVID-related trip cancellations and medical expenses. We'll help you find a policy that addresses your concerns.

Is travel insurance worth it for domestic trips?

Yes — trip cancellation, baggage loss, and medical emergencies can happen anywhere. If you've invested significant money in a domestic trip, travel insurance provides worthwhile protection.

What's cancel for any reason (CFAR) coverage?

CFAR allows you to cancel your trip for any reason and receive partial reimbursement (typically 50-75%). It must usually be purchased within a short window after booking and costs more than standard coverage.

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Get a personalized insurance review from our Columbia, MO team.

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