Travel Insurance Guide

What is Travel Insurance?

Travel insurance is a type of coverage designed to protect travelers from financial losses and emergencies during trips. It typically covers medical emergencies, trip cancellations, lost luggage, and other unforeseen events.

Types of Travel Insurance Coverage

• Medical Coverage – emergency medical and dental expenses
• Trip Cancellation/Interruption – reimbursement for canceled or cut-short trips
• Baggage Loss/Delay – compensation for lost or delayed luggage
• Travel Delay – coverage for additional expenses due to delays
• Accidental Death and Dismemberment – compensation for severe injury or death
• Evacuation and Repatriation – emergency transport back home or to a medical facility

Why Do You Need Travel Insurance?

• Protect yourself from unexpected medical bills abroad
• Get reimbursed for non-refundable trip costs if plans change
• Safeguard your belongings against loss or theft
• Ensure support in emergencies like evacuation or repatriation
• Travel with peace of mind and financial security

How to Choose the Right Travel Insurance

• Assess the coverage limits and exclusions carefully
• Check if pre-existing medical conditions are covered
• Consider the destinations and duration of your trip
• Compare prices and read reviews of insurance providers
• Look for 24/7 emergency assistance services
• Verify claim procedures and documentation requirements

Common Exclusions in Travel Insurance

• Pre-existing medical conditions without disclosure
• Adventurous activities or extreme sports (unless covered)
• Losses due to war or terrorism
• Travel against government advice or warnings
• Claims due to intoxication or illegal activities

Tips for Filing a Travel Insurance Claim

• Keep all receipts and documentation of expenses
• Report incidents promptly to your insurer
• Fill claim forms accurately and provide required proofs
• Stay in touch with the insurance company for updates
• Follow up regularly until your claim is processed