Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or domestically.

Travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a "multi-trip" policy can cover an unlimited number of trips within a set time frame. Some policies offer lower and higher medical-expense options; the higher ones are chiefly for countries that have high medical costs, such as the United States.

Some credit card issuers offer automatic travel insurance if travel arrangements are paid for using their credit cards, but these policies are generic and particular care must be taken to take into account personal requirements. There are many travel insurance policies available in the market place, but care must be taken of what events are covered by each policy, and what exclusions, exceptions and limits apply, besides other issues.

Coverage types

The most common risks that are covered by travel insurance plans are:

  • Medical treatment, including transportation to the medical facility.
  • Cancellation, curtailment[1] and trip interruption

              This section covers any unused travel and or accommodation costs, pre-paid charges (including any additional travel expenses incurred, provided they are deemed reasonable and necessary) if a trip is canceled or cut short under a variety of circumstances, which may include any of the following, depending on the policy:

  1. death, bodily injury, illness, disease, or pregnancy complications
  2. compulsory quarantine
  3. jury service
  4. being called as a witness
  5. termination of employment (provided you did not know about it before you booked the holiday)
  6. being called up if you are a member of the armed forces or other public defense or safety organization
  7. prohibition of travel by the government to the intended destination
  8. officially recommended evacuation from the intended destination
  9. official advisory against going to or remaining at the intended destination
  10. death or serious illness of a family member (subject to age restrictions).

  • Repatriation of remains
  • Return of a minor
  • Trip cancellation
  • Trip interruption
  • Visitor health insurance
  • Accidental death, injury or disablement benefit
  • Overseas funeral expenses
  • Lost, stolen or damaged baggage, personal effects or travel documents
  • Delayed baggage (and emergency replacement of essential items)
  • Flight connection was missed due to airline rescheduling or delay.
  • Travel delays due to weather
  • Hijacking
  • Medical expense coverage can be per-occurrence or maximum-limit.

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