Travel insurance Coverage List

Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or within one's own country.

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-trip" policy can cover an unlimited number of trips within a set time frame. Some policies offer lower and higher medical-expense options; the higher ones are chiefly for countries that have extremely high medical costs, such as the USA.

Coverage types of Travel Insurance

• The most common risks that are covered by travel insurance plans are:
• Medical emergency
• Cancellation, curtailment and trip interruption
• Repatriation of remains
• Return of a minor
• Trip cancellation
• Trip interruption
• Visitor health insurance
• Accidental death, injury or disablement benefit
• Overseas funeral expenses
• Lost, stolen or damaged baggage, personal effects or travel documents
• Delayed baggage
• Flight connection was missed due to airline schedule
• Travel delays due to weather
• Hijacking
• Medical expense coverage can be per-occurrence or maximum-limit.
• Optional coverage
• 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:
• Pre-existing conditions
• Sports with an element of risk
• Travel to high risk countries
• Additional AD&D coverage
• 3rd party supplier insolvency
• Acute onset of pre-existing conditions
• Common exclusions
• Pre-existing medical conditions
• Elective surgery or treatment

Travelling Insurance in War

Terrorism - Most trip cancellation policies include terrorism but only when there is an act of terrorism that meets the policy's criteria including definition, place of occurrence and date of occurrence.

Injury or illness caused by alcohol or drug use

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. Pre-existing medical conditions must be declared prior to the trip start date. In case you ignore this requirement and fall ill during your trip abroad, you may find that you are not covered. The European Health Insurance Card  entitles to treatment in state-run hospitals in EU countries and Iceland, Norway, Liechtenstein and Switzerland but it is not a substitute for travel insurance.