What Travel Insurance Covers

Travel insurance is a type of coverage that can help protect you financially and provide peace of mind while you are traveling. It is designed to cover unexpected events and expenses that may arise during your trip. In this article, we will discuss what travel insurance typically covers, as well as some common questions and misconceptions about travel insurance.

What Does Travel Insurance Typically Cover?

Every travel insurance policy is different, but most policies cover the following:

Trip Cancellation
Covers the cost of cancelling your trip due to unforeseen circumstances such as illness, injury, or death.
Medical Emergencies
Covers the cost of medical treatment, hospitalization, and emergency medical evacuation if you become sick or injured during your trip.
Lost, Stolen, or Damaged Baggage
Covers the cost of replacing your luggage and personal belongings if they are lost, stolen, or damaged during your trip.
Travel Delay
Covers additional expenses such as lodging, meals, and transportation if your trip is delayed due to unforeseen circumstances such as severe weather or mechanical breakdowns.
Emergency Assistance
Provides 24/7 assistance for travel-related emergencies such as lost passports or credit cards, and emergency cash transfers.

It is important to read the policy carefully and understand what is covered and what is not covered, as well as any exclusions and limitations.

What is Not Covered by Travel Insurance?

While travel insurance can provide valuable protection, it does not cover everything. Some common exclusions and limitations include:

  • Pre-existing medical conditions
  • Extreme sports and activities
  • Psychological or psychiatric disorders
  • Alcohol or drug-related incidents
  • War, terrorism, and political unrest
  • Non-medical emergencies

It is important to review your policy and understand what is excluded before purchasing travel insurance.


Q: Do I need travel insurance?

A: It depends on your individual circumstances and the type of trip you are taking. If you are traveling internationally or participating in any high-risk activities, travel insurance may be a good idea. Additionally, travel insurance can provide peace of mind and financial protection in the event of an unexpected event or emergency.

Q: How much does travel insurance cost?

A: The cost of travel insurance varies based on several factors such as the length of your trip, your destination, the coverage you choose, and your age and health. On average, travel insurance can cost anywhere from 3-10% of the total cost of your trip.

Q: Can I purchase travel insurance after I have already booked my trip?

A: Yes, you can typically purchase travel insurance up until the day before your trip. However, it is recommended that you purchase travel insurance as soon as you book your trip to ensure that you are covered for any unforeseen events or emergencies that may occur before your trip.

Q: What should I do if I need to file a claim?

A: If you need to file a claim, contact your insurance provider as soon as possible. They will provide you with instructions and any necessary forms or documentation. It is important to keep detailed records of all expenses and receipts related to the claim.

Q: Can I cancel my travel insurance policy?

A: Yes, you can typically cancel your travel insurance policy within a certain timeframe, usually within 10-14 days of purchasing. However, you may not receive a full refund and there may be cancellation fees.


Travel insurance can provide valuable protection and peace of mind while you are traveling. It is important to carefully review your policy and understand what is covered and what is not covered, as well as any exclusions and limitations. With the right coverage, you can enjoy your trip knowing that you are protected in case of an unexpected event or emergency.