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What Exactly Does Travel Insurance Cover?

Travel insurance is essential for any holiday, regardless of how short or long it is. Understanding what travel insurance covers will help you make informed decisions about which type of policy you need. Having a basic understanding of travel insurance ensures you get the perfect policy for you and your family.

Specific Coverages

Travel insurance provides specific coverages, such as expenses related to medical care, trip cancellations, interruptions, and lost and damaged personal possessions.

Although no one anticipates it, medical accidents and injuries can occur during a trip. Travel insurance covers the expenses related to emergency medical care, whether it is due to sickness or an injury. Moreover, travel insurance provides repatriation, which ensures you will be transported to your homeland to continue getting sufficient medical care. Repatriation is necessary, because many rural and secluded locations do not have the medical advances needed to provide appropriate treatment. As such, relocation and transport are of the highest importance when you’re travelling. Travel insurance will take care of all those expenses up to the policy limits.

In addition to providing emergency medical expenses, travel insurance also covers trip cancellations and interruptions. There are many reasons why a trip may be cancelled or interrupted. Fortunately, travel insurance will take care of the expense and make sure your funds are reimbursed.

Travel insurance also covers lost or damaged personal possessions. In the event of lost baggage, the retrieval process may be costly and extensive. Fortunately, some companies may pay for the retrieval of such possessions as well. Otherwise, you can at least rest assured that the possessions will be paid for even if they are not retrieved.

Single trip travel insurance policies may provide more coverage than annual travel insurance policies. For example, coverage for certain activities such as snorkelling, skiing, and hot air ballooning is covered under single trip policies. On the other hand, annual travel insurance policies tend to have more exclusions surrounding activities and additional coverage is needed to close the gap.

Some policies provide free coverage for children under the age of two years old. This is a great benefit for families with babies and young ones who want to save money.

Ultimately, travel insurance covers a wide range of situations and expenses including emergency medical, trip cancellations and interruptions, and personal possessions. The distinction between single trip policies and annual travel policies is important to keep in mind depending on your unique needs.


To ensure you get the right insurance policy, it’s important to look at exclusions just as much as the coverages. Some policies have age restrictions that are important to be mindful of. Furthermore, some activities are also excluded. Paying attention to what’s covered and what is not will prevent poor communication and misunderstanding in the long run.

Overall, when it comes to ensuring you and your family’s safety and security, travel insurance is a must. Travel insurance provides coverage for many expenses and situations. Paying attention to the exclusions is equally as important as looking at the coverage. Finding the right policy is mostly based on personal needs and requirements.

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