What is usually covered by travel insurance?
Travel insurance covers unexpected losses while traveling domestically or internationally. It allows enjoying trips without worrying about potential emergency costs. Provides protection for medical emergencies, trip cancellations, lost luggage, or flight delays.
- Policies list covered reasons for cancellation. Cancellations for medical reasons require doctor recommendation and documentation. Cannot simply cancel if a family member is sick without doctor approval.
- Pre-existing conditions require attention. A pre-existing condition occurred before coverage started. Most policies exclude pre-existing conditions. Must disclose any pre-existing conditions when purchasing or risk claim denial.
- High risk activities like skiing, scuba diving, or mountain climbing are often excluded. Purchase insurance before storm is named for weather cancellation coverage. Accidents from intoxication or drug use usually not covered.
Understand what is and isn’t covered when deciding to purchase. Check policy limits, exclusions, and requirements. Allows focusing on enjoying travels instead of worrying about unexpected costs.