Travel Insurance – What It Can Cover

When you go on vacation there are so many things to remember and consider, but one that almost no one considers travel insurance. No matter how good you are at planning your vacation, there are unexpected things that can happen and this is where travel insurance comes into play. It can compensate you for unforeseen emergencies. Depending on the length of stay and the type of trip, there are several types of travel insurance to choose from.

• Travel cancellation coverage – these policies cover holiday cancellations due to sudden illness or death, weather, military emergency, judge duty, prior to cruise departure or airline bankruptcy. Many also include terrorism insurance that will reimburse you if the US Department of State issues a travel warning. This warning will advise people not to travel to a particular country for some time.
• Medical emergencies – this is useful if you are planning to travel to underdeveloped countries. It will also cover people with chronic illnesses who may require medical attention at some point during their journey. The policy will reimburse you for the cost of medications, doctor visits, and may sometimes cover medical evacuation outside the country. Make sure you check with your insurance company for details, as travel health insurance policies vary.
• Non-refundable tickets – you may also be able to get travel insurance that will cover this if your trip has to be canceled for many different reasons. There are some plans that will even cover lost connections. This can be a lifesaver if there is a flight delay, confusion or over a full airport terminal.
• Comprehensive insurance package – this is a package for frequent travelers or longer trips. This package provides a variety of coverage and is the best value. Some of these packages will allow you to choose the type of coverage you want to include.
• Cruise Ships – this can cover when a cruise is delayed and the traveler has to change hotel reservations or travel is interrupted and you have to arrange a trip at the last minute.

Other costs or situations may also be covered, which may include:

• You must be taken to a medical unit
• Cost of medical procedures if your health insurance is not recognized in the jurisdiction
• Hotel reservation issues
• Payment for a hotel if your flight is delayed
• Replacement of essential items in case of delay or loss of luggage
• Errors in flight settings if the passenger was not in error
• Emergency Legal Assistance
• Transfer if you have to return home due to an emergency or the death of close relatives