Travel Insurance – What It Might Cover

When going on vacation, there are a lot of things to remember and take into consideration but one thing almost no one thinks about is travel insurance. No matter how adept you are at planning a vacation, unexpected things can happen, and this is where travel insurance comes in. It can compensate you for unexpected emergencies. Depending on the length of stay and type of trip, there are several types of travel insurance to choose from.

• Trip Cancellation / Trip Interruption Coverage – These policies cover vacation cancellations due to sudden illness or death, weather, emergency military service, or jury duty, prior to the cruise line’s departure or airline bankruptcy. Many also include terrorism insurance that will reimburse you for your expenses in the event that the US Department of State issues a travel advisory. This warning will advise people not to travel within a certain country for a certain period of time.
• Medical Emergencies – This is useful if you are planning to travel to underdeveloped countries. It will also cover individuals who have a chronic illness that may require medical care at some point during their journey. The policy will reimburse you for the cost of medications and doctor visits, and may sometimes cover out-of-state medical evacuation. Be sure to check with your insurance company for details because travel health coverage policies vary.
• Non-refundable tickets – You may also be able to get travel insurance that will cover this if your flight is canceled for many different reasons. There are some plans that will even cover missed connections. This can be a lifesaver if there is a flight delay, confusing or crowded airport lounge.
• Comprehensive insurance package – a package for frequent travelers or long trips. This bundle provides a variety of coverage and is the best value. Some of these packages will let you choose the type of coverage you want to include.
• Cruise ships – This can cover the cruise delay time and the traveler has to change hotel reservations or cut the cruise and you must arrange a last minute trip home.

Other expenses or situations may also be covered, which can include:

• You must be flown to a medical facility
• Cost of medical procedures if your health insurance is not recognized in the jurisdiction
• Problems with hotel reservations
• Pay for a hotel if your flight is delayed
• Replace essential items when baggage is delayed or lost
• Errors in flight arrangements if the passenger is not at fault
• Emergency legal aid
• Transportation if you need to go home due to an emergency or the death of close relatives

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