What Does Travel Insurance Generally Cover?

What Does Travel Insurance Generally Cover?

Travel insurance is a protective measure that travellers can purchase for their trip. Travel insurance, available from brokers such as one sure, can protect you from unexpected travel and trip cancellation losses. It reimburses travellers for certain covered losses, like flight cancellations, car rental damage, baggage loss, and trip delay.

If you’re planning to travel abroad, it is wise to take out an insurance policy. Travel insurance can also protect you from the costs of unexpected medical expenditures connected to family members while they are abroad. Plus, it can often save you money on trip cancellation and interruption.

Travel insurance is a safety net for when things go wrong while you’re travelling. So, what exactly does travel insurance cover? Let’s consider a list of the kind of cover we can expect.


Protecting your experiences

  • Trip Cancellation – When you sign up for a travel insurance policy, you’ll typically have the option to add trip cancellation coverage, and it’s important to understand what this means for you and your family. Generally, trip cancellation insurance exists in the hopes that you’ll never need to use it, but that shouldn’t stop you from getting insurance.
  • Trip Interruption – With so many different things to cover, it’s easy to overlook one important detail: travel insurance. Some policies cover trip interruption, which means you’re covered if your trip is suddenly cut short by a natural disaster, a terrorist attack, or other unexpected events.
  • Flight Cancellation/Travel Delay – Travel insurance protects you from unexpected events, like a missed flight, while on vacation, and even during your daily commute. When purchasing travel insurance, it’s helpful to know what is typically covered by it, such as flight cancellation and delay.
  • Supplier Bankruptcy – Travel insurance purchased a package policy that covers both your flight and hotel costs. When purchasing travel insurance, be sure to read the small print because providers offer varying coverage options, and some may cover you in the event of travel agent bankruptcy.


Protecting your items (and your stays)

  • Lost/Stolen Luggage – Some travel insurance policies do not cover lost or stolen luggage. Before booking your trip, confirm that your travel insurance will cover you, your luggage, and any baggage fees (if your bags are lost, these fees can add up quickly!).
  • Rental Car Coverage – You’ve booked your plane ticket, hotels, and rental car. Great! Now, all you need to do is decide which insurance to purchase for your trip. One type of insurance to consider is rental car coverage. This type of insurance will cover any damage or loss to your rental vehicle.
  • Hotel/Cruise Ship – When you book a flight, hotel, or cruise, you expect your trip to be a smooth process. The last thing you need to worry about is getting sick or injured while on vacation. If something happens, you want to know you will be able to get the medical attention you need. Travel insurance can cover the medical costs associated with a sickness or injury while on a trip.


Protecting your health

  • Protecting your Emergency Medical Insurance – If you’ve even thought about taking a trip outside of the country, you’ve probably thought about emergency medical care. Whether it’s something you’ve experienced before or it’s something you never considered, it’s a good idea for every traveller to know what coverage is available to them.
  • Emergency Medical Evacuation – Travel insurance policies also cover you for emergencies that occur while at home, so if you’re considering purchasing travel insurance, it’s important to understand what types of events are covered. Emergency medical evacuation coverage is typically the most commonly purchased travel insurance policy.
  • Accidental Death & Dismemberment – Travel insurance is designed to cover unexpected events, so if you were to get sick or injured while you’re travelling, your travel insurance would help cover some of the costs of your trip.


What Does Travel Insurance Not Cover?

Travel insurance is not cheap, and many people consider it an investment. However, insurance can easily become useless if you do not understand the basics. Travel insurance is insurance against unexpected occurrences that can damage your property, injure you or affect your travel. Be aware that certain medical conditions might be excluded.

It’s important to check specifics with your insurer or broker when taking out travel insurance as you do not want to get caught out while abroad.

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