What Does Travel Insurance Cover

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These are the 5 basic types of coverage provided by vacation insurance. This page outlines the general coverage provided

1. Cancelled Trips

This is the #1 concern with most travelers.

Plane tickets, cruise fare, tour packages, hotel rooms, charter fishing boats, golf greens fees.

You invest money when planning a trip. If these expenses are pre-paid and non-refundable, you risk losing it if something goes wrong.

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

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
Bankruptcy of your travel supplier
Called for jury duty

2. Medical emergencies abroad

This is crucial, and often overlooked.

Most people think they are covered for medical emergencies if they already have existing health care insurance. Within the United States, that will be true.

Outside the U.S., however, is a big IF. Most do not provide coverage, and Medicare never covers you abroad.

Would you feel comfortable having a family member risk inadequate medical care in a foreign country?

For cruises, your health insurance from home may not cover you if you’re traveling on a foreign-flagged ship (which includes most cruise ships)

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.

An ambulance to the hospital, an airlift to a more adequate hospital, getting you back home on board a medically-staffed flight afterwards…evacuation expenses can easily cost $50,000.

4. 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.

5. Phone assistance 24/7 worldwide

This is about having a ‘lifeline’ to call when something happens.

Medical emergencies, stolen baggage, lost passports, cancelled flights. Every travel insurance company provides 24/7 support for all of these needs.

This service is most important when you have a medical issue.

24/7 Travel Assistance Services can help you:

Locate the nearest adequate hospital if needed
Organize medical transportation
Arrange for treatment and overcome any language barriers
Organize transportation home
Replace prescriptions in an emergency

You can get more information from https://www.covomo.com/