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Travel insurance is insurance that is intended to cover lt medical expenses, financial default of travel suppliers, and other losses incurred while lt traveling, either within one's own country, or internationally. Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a "multi-
Coverage Types:
The most common risks that are covered by travel insurance are:
Medical/lt dental expenses
Emergency evacuation/Medical Air Evacuation/lt repatriation of remains
Return of a minor child
Trip cancellation/interruption
Accidental death, injury or disablement benefit
Overseas funeral expenses
Curtailment
Delayed departure, missed connection
Lost, stolen or damaged baggage, personal effects or travel documents
Delayed baggage (and emergency replacement of essential items)
Legal assistance
Trip Cancellation
Flight Connection was missed due to airline schedule
Travel Delays due to weather
Medical Emergency and hospital care (Accident or Sickness)
Optional Covers:
Some travel policies will also provide cover for additional costs, although these vary widely between providers.
In addition, often separate insurance can be purchased for specific costs such as:
Car rental collision coverage
Pre-
Sports with an element of risk (e.g. skiing, scuba diving)
Travel to high risk countries (e.g. due to war, natural disasters or lt acts of terrorism)
Additional AD&D coverage
Kidnap and ransom insurance
3rd Party Supplier insolvency (e.g. the hotel or airline to which you made nonrefundable pre-
Pre-
War or terrorism -
Injury or illness caused by alcohol or drug use
Usually, the insurers cover pregnancy related expenses, if the travel occurs within the first trimester. After that, insurance coverage varies from insurer to insurer.
Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance.