Who We Are

LVM by Rubrika is a content hub focused on Travel Insurance. Our editors, researchers, and contributors monitor insurers, regulatory updates, and traveler pain points to publish practical, easy-to-follow guides.

We believe great coverage starts with clarity. That’s why we avoid jargon, define terms in plain language, and show real-world scenarios (missed connections, medical emergencies, trip interruptions) so you can see how policies work when it matters.

What We Cover

• Policy types: single-trip, annual multi-trip, family, student, Schengen/visa-focused coverage.
• Core benefits: emergency medical, evacuation, trip cancellation/interruption, baggage delay/loss, sports add-ons.
• How to read policy wording, exclusions, and pre-existing condition rules.
• Compare providers and plan tiers for common traveler profiles.
• Claims walkthroughs and documentation checklists.

Our Editorial Standards

• Accuracy first: We fact-check coverage definitions, limits, and examples against official policy documents when possible.
• Clear disclosures: We label sponsored content and affiliate relationships (see “How We Make Money”).
• Helpful, not salesy: We explain trade-offs and when a plan may not fit your needs.
• Updates: We review evergreen guides regularly and refresh comparison pages when plan terms change.

How We Make Money

LVM may earn a commission if you purchase through links on our site. This never affects our editorial opinions or the information we present. We do not sell insurance; we provide information to help you decide.

Learn more in our Advertising & Affiliate Disclosure.

Editorial Independence

Our recommendations are driven by research and user value—not by advertisers. Sponsored placements, if any, are clearly labeled. Providers cannot buy higher ratings or preferential coverage in our articles.

Review & Comparison Methodology

When we compare travel insurance plans, we consider:

• Coverage scope and limits (medical, evacuation, cancellation/interruption, baggage).
• Exclusions, waiting periods, and pre-existing condition waivers.
• Optional add-ons (adventure sports, electronics, rental car, cruise).
• Price transparency and value for typical trip profiles.
• Claims process clarity and customer support availability.

Note: Specific policy wording governs coverage. Always read your Certificate of Insurance and policy schedule before purchase.

Important Disclaimers

Coverage availability and eligibility can vary by residency, destination, trip duration, age, and other factors. Benefits, limits, and exclusions are determined by the insurer’s policy documents in effect at the time of purchase.

By using our site, you agree to our Terms of Use and Privacy Policy.

Contact Us

We welcome corrections, suggestions, partnership inquiries, and story pitches.

• Editorial: [email protected]
• Partnerships & Advertising: [email protected]
• General: [email protected]

Prefer a form? Visit our Contact page.

Attribution & Corrections

If you spot an error, please email us with the article URL, a brief description, and any relevant citations. We review correction requests promptly and update pages where appropriate. Significant corrections will be noted in the article’s changelog.