Travel insurance is a type of insurance that covers the costs and losses associated with traveling. It is useful protection for those traveling domestically or abroad.
Frequently sold as a package, travel insurance may include several types of coverage. The main categories of travel insurance include trip cancellation or interruption coverage, baggage and personal effects coverage, medical expense coverage, and accidental death or flight accident coverage.
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Trip Cancellation or Interruption CoverageTrip cancellation insurance, sometimes known as trip interruption insurance or trip delay insurance, reimburses a traveler for prepaid, nonrefundable expenses. Providers vary on acceptable cancellation and interruption and the amount of reimbursement available. The most common acceptable reasons include illness, a death in the immediate family, sudden business conflicts, and weather-related issues.
Travel Insurance
The two primary types of medical travel insurance policies are short-term medical and major medical coverage. Short-term policies cover a traveler from five days to one year, depending on the policy chosen. Major medical coverage is for travelers who are planning to take longer trips ranging from six months to one year or longer.
Medical coverage can help with medical expenses, help to locate doctors and healthcare facilities, and even assist in obtaining foreign-language services. As with other policies, coverage will vary by price and provider. Some may cover airlift travel to a medical facility, extended stays in foreign hospitals, and medical evacuation to receive care.
If an accident results in death, disability, or serious injury to the traveler or a family member accompanying the traveler, an accidental death and flight accident policy pays benefits to surviving beneficiaries. Flight accident insurance provides coverage for accidents and deaths occurring during flights on a licensed airliner. General exclusions will apply, such as death caused by drug overdose, death resulting from sickness, et al.
Travel insurance will vary by the provider on cost, exclusions, and coverage. The buyer should be aware of reading all disclosure statements before they purchase the insurance. Coverage is available for single, multiple, and yearly travel. Per-trip coverage protects a single trip and is ideal for people who travel occasionally. Multi-trip coverage protects numerous trips occurring in one year, but none of the excursions can exceed 30 days. Annual coverage is for frequent travelers. It protects for a full year.
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