WHAT DOES TRAVEL INSURANCE TYPICALLY COVER?
Medical crises, trip cancellation, trip interruption, delays, medical evacuation, and lost, damaged, or stolen luggage are all covered by the majority of travel insurance policies.
Travel insurance may also cover rental-car damage, pre-existing conditions, and trip cancellation for any reason.
Let’s dissect that and examine how travel insurance can cover the three major concerns you have when traveling: you, your experiences, and your belongings (including where you stay on your trip).
Taking care of you
- Medical Insurance for Emergencies
- Medical Evacuation in an Emergency
- Death & Dismemberment as a result of an accident
Protecting your property (and your stays)
- Luggage That Has Been Lost or Stolen
- Coverage for Rental Cars
- Protection of Hotels/Cruise Ships
Protege tus experiencias
- Cancellation of Trip
- Interruption of Travel
- Flight Cancellation/Delay in Travel
- Supplier Insolvency
WHAT TRAVEL INSURANCE DOES NOT COVER
It is natural to think that when you purchase travel insurance, you are covered for all parts of your trip. Regrettably, this is seldom the case. Travelers are usually dismayed to discover that their travel insurance policy contains gaps—with restrictions that are typically specified in the fine print but are nonetheless confusing and occasionally contradictory.
The phrase “you get what you pay for” is frequently applicable here. Insurance policies that are less priced often provide less comprehensive coverage.
- Health Emergencies (Such as Pandemics) That Begin Prior to Your Purchase
- Expenses Associated with Pre-Existing Conditions
- Natural Disasters That Begin Prior to Insurance Purchase
- Expenses Associated with Mental or Emotional Disorders
- Medical Procedures Travel
- Obstetrics and Childbirth
- Activities and Sports That Are Dangerous
- Reservations that have been lost or accommodations that have been double-booked