What is Travel Insurance?

Travel Insurance

Travel insurance is a plan you purchase that protects you from certain financial risks and losses that can occur while traveling. These losses can be minor, like a delayed suitcase, or significant, like a last-minute trip cancellation or a medical emergency overseas.

Many Insurers can arrange medical treatment in an emergency, monitor your care, , help replace lost passports and so much more.

Travel insurance plans recently started to include epidemic-related covered reasons . The new Epidemic Coverage Endorsement adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic.

What is covered?

Travel insurance has a range of coverage , the insurance will pay for whatever is lost, expenses, accommodation and even medical ,due to any reasons bellow:

  • Trip cancelation -Due to a sudden emergency or weather
  • Lost Baggage
  • Travel delay/Missed Connection-(accommodation, expenses and transfer flight will be covered)
  • Baggage delay
  • Lost Passport/Personal cards
  • Medical emergency while traveling
  • Rental Car damage
  • Home care deposit (in case there is a fire or burglary while traveling at home)
  • Personal Liability -A third party injury caused by Policy holder by accident


What should you know?

Travel insurance is designed to protect the insured against the unpredictable events, which means it is meant to be bought before an event occurs.Although during Covid times, a travel insurance will not cover any travel disturbance caused by Covid-19, due to the rise of the pandemic and changes being to0 often past 2 years.

Also it is best to buy the plan when booking the trip so one is eligible for coverages that apply prior to departure. For example, if one gets sick before the  flight they will not lose any money and be redeem the   traveling costs back.

A regular health insurance provider most likely will not cover medical expenses when traveling out of the country or it may be limited. That means if  injured or sick , the  medical  costs will likely be paid for by you without travel insurance. That’s why Travel insurance can help one save thousands of dollars.


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