Travel insurance provides coverage for unexpected events that may emerge during a trip. It covers a few cases, such as trip cancellation or interruption, medical emergencies, lost or stolen luggage, and more. While budget travel insurance policies can vary in coverage and exclusions, there are some general guidelines for what’s covered and not covered under travel insurance. Here we will discuss some common types of coverage and exclusions that you should be aware of when purchasing travel insurance.
Guide On What’s Covered and Not Covered Under Travel Insurance
Unsure of what’s covered and not covered under travel insurance of budget vacation packages? Read our comprehensive guide to learn about common types of coverage and exclusions to help you choose the right policy for your needs.
What’s Covered Under Travel Insurance?
Travel insurance can cover a wide range of incidents depending on the policy chosen. Continue reading to find out what they are.
Travel Delay Coverage
Travel Delay coverage provides reimbursement for expenses incurred due to travel delays, such as accommodations, meals, and transportation. This coverage may also apply if you miss a connection due to a delay or cancellation of your original flight. It’s necessary to note that the amount of coverage and the waiting period before the coverage kicks in can vary depending on the policy.
Accidental Death and Dismemberment Coverage
Accidental Death and Dismemberment coverage provides a benefit in case of accidental death or dismemberment while on your trip. This coverage provides a lump sum payment to the beneficiary or the insured person if they suffer an accidental death or dismemberment while traveling. This coverage can also include coverage for the repatriation of remains if the insured person passes away while on the trip.
Baggage Loss or Delay
This coverage provides reimbursement for lost, stolen, or damaged luggage, as well as expenses incurred due to baggage delay. However, this may include reimbursement for necessary items such as clothing, toiletries, and medications.
Trip Cancellation or Interruption
Budget travel insurance coverage provides reimbursement for non-refundable trip expenses in case your trip is canceled or interrupted due to unexpected events such as injury, illness, or death of a family member. Some policies may also cover trip cancellations due to severe weather, terrorism, or other unforeseen events.
Medical Expenses
This coverage provides reimbursement for medical expenses incurred during your trip, including hospital stays, doctor’s visits, and prescription medications. Some policies may also cover emergency medical evacuation and repatriation in case you need to be transported to a different medical facility or back home.
What’s Not Covered Under Travel Insurance?
Travel insurance policies have exclusions that may vary from one policy to another. The following are some common exclusions that are not covered under travel insurance:
