What does travel insurance cover

Travel insurance typically provides coverage for a range of unexpected events and expenses that may occur while you are traveling. The specific coverage can vary depending on the insurance provider and the policy you choose, but here are some common areas that travel insurance may cover:

1. Trip cancellation or interruption: If you have to cancel or cut short your trip due to unforeseen circumstances such as illness, injury, or death of a family member, travel insurance can reimburse you for non-refundable expenses like flights, accommodations, and tour bookings.

2. Medical expenses: Travel insurance often includes coverage for medical emergencies and expenses incurred while traveling. This can include hospital stays, doctor’s visits, medications, and emergency medical evacuation to a suitable medical facility.

3. Baggage loss or delay: If your luggage is lost, stolen, or delayed by the airline or other carriers, travel insurance can provide compensation for the value of your belongings or reimburse you for necessary purchases, such as clothing and toiletries, while you wait for your baggage to arrive.

4. Travel delay: If your trip is delayed due to circumstances beyond your control, such as severe weather, strikes, or mechanical breakdowns, travel insurance can cover additional expenses like accommodations, meals, and transportation during the delay.

5. Personal liability: Travel insurance may offer coverage for personal liability, which can protect you in case you cause damage to property or injure someone while traveling.

6. Emergency evacuation: In the event of a natural disaster, political unrest, or other emergencies, travel insurance can cover the costs of an emergency evacuation to a place of safety.

It’s important to note that coverage can vary between policies and insurance providers, so it’s always advisable to carefully review the terms and conditions of the policy before purchasing travel insurance to ensure it meets your specific needs.