Coverage in Travel Insurance

1. Cancelled Trips

Trip Cancellation Coverage reimburses you for pre-paid, non-refundable expenses if you need to cancel your trip before you depart. Trip Interruption Coverage is similar to cancellation coverage, but covers you while you are on your trip for the same list of covered reasons.

Reasons that may cancel your trip.

• Sickness, injury, or death of you, a family member, or a traveling companion
• Hurricane damages your destination or cancels your flight
• Laid off from work or required to work
• Bankruptcy of your travel supplier
• Called for jury duty and many more.

2. Medical emergencies abroad

Medical Expense Coverage will cover you for accidents and emergency medical and dental care when you travel abroad.

3. Emergency evacuations

Emergency Evacuation Coverage will pay for emergency evacuation expenses such as airlifts and medically equipped flights back home, and oftentimes will transport you to the hospital of your choice for care.

4. Lost bags, delayed bags, delayed flights

These coverage are for the “smaller things” that are nice to have. Again, the list is not complete but it will give you an idea of some additional coverages.Baggage Coverage can reimburse you for your personal belongings if your luggage is lost, stolen or damaged.Baggage Delay Coverage provides money to buy essential items until your delayed bags arrive, such as a toiletry kit, a swimsuit, or another change of clothes.Travel Delay Coverage provides reimbursement for additional expenses if your flight is delayed, such as an extra night in a hotel or a meal at a restaurant.

5. Phone assistance 24/7 worldwide

A lifeline that help resolve Medical emergencies, stolen baggage, lost passports, cancelled flights. Every travel insurance company provides 24/7 support for all of these needs.

Optional coverage in Travel Insurance

Some travel policies will also provide cover for additional premium, although these vary widely between different insurers.In addition, often separate insurance can be purchased for specific costs such as:

• Pre-existing conditions can be covered and its acute onset too.
• Sports with an element of risk (e.g. skiing, scuba diving) with an extra chunk of premium
• Travel to high risk countries (e.g. due to war, natural disasters or acts of terrorism)
• 3rd party supplier insolvency.

Exclusions in Travel insurance