What does travel insurance cover?

Canceled Trips

Trip Cancellation Coverage reimburses you for pre-paid, non-refundable expenses if you need to cancel your trip before you depart.

Insurance companies provide a list of covered reasons for trip cancellation, an overview of typically covered reasons is below

Covered reasons to 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
•  Terrorist incident in your destination city
•  The bankruptcy of your travel supplier
•  Called for jury duty
• This is only a partial list, but you can see it covers very common situations for canceling.

Medical emergencies abroad

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

Even if you are covered for basic emergency care overseas (again, a big IF), your current health insurance provider will almost certainly NOT pay to evacuate you and repatriate you back

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. Evacuation expenses can be devastating.

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.

Additional coverage with travel insurance

Travel insurance can also provide coverage for:

•  Life Insurance coverage for accidental death or dismemberment.
•  Hazardous Sports extends medical coverage to cover activities like SCUBA.
•  Rental Car Collision replaces your personal insurance or the rental company policy.
•  Identity Theft provides services to help in the event of identity theft while traveling.
• Travel insurance covers cancellations, medical expenses, evacuations, losses or delays, and 24/7 assistance