Ski add-on or cruise medical? The right block follows your route — not a generic annual banner.
Peace of mind
The fine print should not be a surprise on the day of departure. We help you match cover to the trip we built — medical, cancellation, and adventure activities where they apply — before you pay the premium.
Why it matters
A ski add-on, a rental-car excess rider, or cruise-specific medical evacuation, the right block of cover depends on the route, not a generic “annual multi-trip” banner. We map likely risks to the journey you are actually taking.
How we help
Garnet can introduce you to regulated partners and summarise waiting periods, exclusions, and what to do the moment something goes wrong. We do not offer regulated insurance advice in jurisdictions where a licence is required; where we cannot speak to law, we point you to a licensed underwriter or broker in writing.
If you need to claim
Keep your policy number with your trip in our workspace. If a flight is disrupted or a bag is delayed, your consultant already knows the carrier, PNR, and emergency medical hotline you were given on purchase.