What Does Travel Insurance Cover?

Traveling does not always go as planned. Travel insurance is almost as necessary as a passport while traveling abroad. If something goes wrong, you or your family may suffer financially if you do not have it. Get insurance regardless of who you are, where you are going, or what you are doing.

Travel insurance can seem boring and needless on your pre-travel to-do list. But whether you’re taking a little trip to Europe for a long weekend or planning to cruise the globe, costly holiday disasters like cancellations, medical problems, or misplaced belongings can happen at any time. That is why getting travel insurance is so important before you leave on a trip.

If something goes wrong on vacation, your savings account may suffer severely if you do not have travel insurance. Flight cancellations, missing baggage, or an accident may all derail your carefully planned itinerary and cost a lot of money to fix.

On the other hand, knowing that your trip is covered might help you relax before, during, and after your vacation. But what exactly does travel insurance cover? Read through to know.

Key Takeaway

  • What Is travel insurance?
  • List of things that Travel Insurance Covers?
  • The benefits of Travelling with a travel insurance
  • List of things that travel insurance does not cover
travel insurance cover

What is Travel insurance?

Travel insurance is a means to protect yourself against a variety of unexpected occurrences that may occur while traveling abroad. This could include paying trip cancellation fees, international medical or hospital bills, or replacing items lost or stolen during your trip.

The level of coverage you receive is determined by the amount of coverage you choose. When it comes to travel insurance, there is no such thing as “one size fits all.” Read the Product Disclosure Statement to determine which coverage is appropriate for you and confirm that the policy meets your needs.

The benefits of Travelling with a travel insurance

We have detailed the important elements below to ensure you grasp the genuine benefits of a travel insurance policy:

1. Personal accident and activity cover:

Holidays are designed to be memorable, so many young people traveling abroad without their parents for the first time decide to try out a new adventure activity.

Your travel insurance coverage might cover a wide range of activities, but it also insures you for personal injury and medical bills if something goes wrong.

2. Cancellation cover:

How would you feel if your well-deserved vacation was canceled after months of planning owing to unanticipated events beyond your control? Getting your money back on all of the many aspects of your vacation might be difficult. Still, the cancellation part of your travel insurance policy is designed to assist you in these instances.

3. Medical expenses and emergency assistance:

The medical expenditures component of your travel insurance policy is meant to help cover your doctor and/or hospital bills if you or someone traveling with you becomes unwell while on vacation.

You may have already seen news articles about people who travelled without insurance and then needed medical care abroad. They are then expected to cover the cost of their own medical care, which can run into hundreds of pounds.

4. Personal possessions and luggage:

This area covers loss, theft, damage to your bag or baggage, and the items you carry with you on your journeys, such as clothing, jewelry, and eyewear. There is normally a total monetary amount for which you are covered, which is then subdivided further.

Each item you pack will fall into one of these sub-sections, and this is the maximum amount you can claim if it is damaged, lost, or stolen.

All insurance differ in terms of what is and isn’t covered, so check before you fly; some items are included as standard, while others require you to pay for an additional extension.

5. Legal expenses:

If you require legal counsel because you were hurt while traveling, most travel insurance policies include a legal expenses section that will cover the cost. Normally, you must pay an excess first, although this portion frequently includes a free 30-minute phone consultation with a counsel to examine your case.

List of things that travel insurance covers

Most plans often include a variety of trip protections, such as accidental death and dismemberment, baggage loss or delay, emergency medical care and evacuation, trip cancellation, delay, or interruption, and other benefits.

Let’s take a closer look at each of them.

  • Baggage delay

If your suitcase is delayed, baggage delay insurance will cover the cost of any things you might need to buy, such as clothing, toiletries, or a phone charger.

To qualify for coverage, your luggage must be delayed for more than a specific number of hours, which is usually between six and 24 hours, depending on the policy.

  • Trip delay

When a common carrier is delayed, trip delay insurance pays for prepaid, nonrefundable fees and transportation, meal, and accommodation costs. Depending on the policy, trip delay coverage kicks in after a specific time, which normally lasts between five and twelve hours.

  • Trip interruption

If you have to end your trip early and return home due to a covered reason, such as a family member’s illness or death, terrorism, bad weather, or a natural disaster, for example, trip interruption insurance policy reimburses you for unused, nonrefundable charges.

  • Trip cancellation

If you must cancel a trip due to a covered reason, trip cancellation insurance reimburses you for nonrefundable charges that were paid in advance. The typical causes covered include:

  • Sickness or death of a family member.
  • Financial insolvency.
  • Natural disaster.
  • Airline strike.
  • Inclement weather.
  • Jury duty.
  • Military duty.
  • Stolen passport or visa.
  • Loss of employment.
  • Accidental death and dismemberment

Accidental death and dismemberment insurance policy offers protection against accidental death, amputation of a limb, or loss of vision. It should be noted that this is not the same as a life insurance policy because death due to natural causes, disease, or suicide is not covered.

  • Baggage loss

Baggage loss insurance pays to replace your items and suitcase when checked luggage is lost, stolen, or damaged while on a covered trip.

  • Emergency medical evacuation and repatriation

If you have a medical emergency and can’t be treated at the facility closest to you, this benefit will pay medical evacuation costs. If necessary, it includes transportation of remains and transportation charges to another hospital or your native country.

List of things that travel insurance does not cover.

Many situations are covered by travel insurance, but not all. A travel policy does not cover the following situations:

  • Extreme sports: Some high-risk activities, such as bungee jumping, scuba diving, and rock climbing, are not covered by a comprehensive travel insurance policy. However, World Nomads, for example, offers separate coverage for the specific adrenaline activities you intend to do on your holiday.
  • Medical tourism: Interested in getting dental treatment done in Mexico or a hair transplant in Turkey? Keep in mind that a plan with emergency medical coverage will not pay your medical bills for elective procedures.
  • Pregnancy: If you wish to cancel a trip because you’re pregnant, you can only do so if you bought the plan before you got pregnant. Otherwise, it is not an acceptable justification. Furthermore, medical expenses spent while on a pregnant trip may or may not be covered (check with your insurance provider).
  • A named storm: Most travel plans/insurance protect you against problems caused by bad weather. However, insurance must be purchased before a tropical storm or weather event is named. If you obtain coverage after a natural disaster has begun, it will not be covered.
  • Activities performed under the influence: Most travel policies make an exception for drug and alcohol use. If you fall off an ATV because you drank alcoholic beverages or used drugs before operating a vehicle, you are no longer insured.
  • Fear of travel because of a pandemic or another reason: This would be protected by a “cancel for any reason” add-on, but a general travel policy will not cover fear of travel.


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Because coverage differs between insurance providers and policies, make sure to carefully study the policy terms, especially if you’re searching for a certain type or level of coverage.

If you are still unsure whether a particular event or activity is covered, contact the insurance carrier and speak with a customer service representative. It’s preferable to know what’s covered and what isn’t before you need to file a claim.





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About Author

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Precious Ejimofor
My name is Precious Ejiofor, I am a professional self motivated, dependable writer and editor, with over 4 year of experience in writing for variety of business and platforms. I am able and capable to write on any kind of topic.
Specifically, I focus on producing persuasive and compelling contents that is thoughtful, prominent, and engaging.

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