What does travel insurance cover?

Trip Cancellation/Interruption Coverage

Reimburses you for non-refundable trip costs if you need to cancel or interrupt your trip due to covered reasons, such as:

• Illness, injury, or death of the insured, a travel companion, or a family member


• Natural disasters or severe weather affecting your destination


• Unexpected job loss or work obligations


• Jury duty or legal obligations


• Travel provider bankruptcy or financial default

Medical Coverage

Covers medical expenses if you become ill or injured while traveling. This can include:

• Doctor visits


• Hospital stays


• Emergency medical procedures


• Prescription medications

Emergency Evacuation and Repatriation

Provides coverage for emergency medical evacuation to the nearest appropriate medical facility and transportation back to your home country if necessary. This includes:

• Emergency medical transportation


• Repatriation of remains in case of death

Trip Delay Coverage

Reimburses you for additional expenses if your trip is delayed due to covered reasons, such as:

• Severe weather


• Airline strikes


• Mechanical breakdowns


• Travel carrier delays

Expenses covered can include meals, accommodation, and transportation.

Baggage and Personal Belongings Coverage

Covers loss, theft, or damage to your luggage and personal items during your trip. This includes:

• Checked and carry-on baggage


• Personal belongings such as clothing, electronics, and travel documents


• Delayed baggage expenses, such as clothing and toiletries

Accidental Death and Dismemberment (AD&D)

Provides a benefit to your beneficiaries in the event of accidental death or dismemberment during your trip. Coverage can include:

• Accidental death while traveling


• Loss of limb or sight due to an accident


• Permanent disability resulting from an accident

Common Coverage Inclusions

Travel insurance policies can vary, but common inclusions are:

• Trip cancellation/interruption due to illness, injury, or death


• Emergency medical and dental expenses


• Emergency medical evacuation and repatriation


• Trip delay or missed connection


• Baggage loss, theft, or damage


• Travel document protection (e.g., passport loss)


• Accidental death and dismemberment


• 24/7 travel assistance services

Common Coverage Exclusions

Travel insurance policies also have exclusions, which may include:

• Pre-existing medical conditions (unless coverage is specifically added)


• High-risk activities or extreme sports (unless covered by specialty insurance)


• Travel to regions with known risks or government advisories against travel


• Non-medical emergencies not covered by the policy


• Losses due to negligence or illegal activities