Traveling is an exciting experience. However, no matter how precisely we plan our trip, things tend to go wrong sometime. Travel Insurance offers coverage against lost passport, lost checked-in baggage, trip delays and travel-related risks while you are in a foreign country, like an accident abroad, loss of travel documents and many more . Travel insurance can’t prevent travel trouble, but it can address the financial impacts of many common problems. Policies are sold for single trips or defined time-frames, typically one year, with the option to renew indefinitely.
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:
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 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.
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 :
Travel insurance can also provide coverage for:
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