Travel insurance – what it could cover

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

• Trip Cancellation/Interruption Coverage – these policies cover holiday cancellations due to sudden illness or death, weather conditions, military service, jury duty, prior to cruise line departure or airline bankruptcy. Many also have terrorism insurance that will cover your costs in the event that the United States Department of State issues a travel warning. This warning will advise people not to travel within a certain country for a certain amount of time.
• Medical emergencies – this is useful if you are planning to travel to underdeveloped countries. It also covers individuals with a chronic illness who require medical attention at some point during their trip. The policy will cover the cost of medicines, doctor’s visits and can sometimes cover medical evacuation from the country. Be sure to check with your insurance company about the details, as travel insurance policies vary.
• Non-refundable tickets – you may also be able to purchase travel insurance that will cover this in the event your trip has to be canceled for many different reasons. There are some plans that even cover missed connections. This can be a life saver if there is a flight delay, confusing or crowded airport terminal.
• Comprehensive insurance package – this is a package for frequent travelers or longer trips. This package offers a variety of coverages and is the best value. Some of these packages allow you to choose which type of coverage you want to include.
• Cruise ships – this can cover when a cruise is delayed and the traveler needs to change their hotel reservation or the trip is cut short and you need to arrange a last minute trip home.

Other expenses or situations may also be covered, including:

• Must be flown to a medical facility
• Cost of medical procedures if your health insurance is not recognized in the jurisdiction
• Problems with hotel bookings
• Pay for a hotel if your flight is delayed
• Replace essential items in case of delay or loss of luggage
• Errors in flight arrangements when the traveler was not at fault
• Emergency legal aid
• Transportation if you have to go home due to an emergency or death of close relatives