Travel insurance provides added protection for frequent travelers, covering unexpected delays, lost luggage, medical emergencies, and more. It can also cover cruises and emergency legal assistance, but may exclude pre-existing medical conditions and injuries from alcohol or drug abuse. Additional premiums may cover high-risk activities or travel to high-risk countries.
Often referred to as travel insurance, travel insurance provides added protection for people who travel frequently for business or pleasure. Insurance usually provides coverage that goes beyond the protection provided by other forms of insurance. Travel insurance packages can address virtually any aspect of travel, from providing compensation for hotel reservation issues to covering unexpected health problems when outside the jurisdiction of a traditional health plan.
Travel insurance is an excellent tool when it comes to dealing with unexpected delays that lead to additional financial expenses. For example, flight insurance may provide compensation when a flight is delayed and you need to find a hotel room for the night. This form of travel insurance can also help cover the cost of replacing essential items if your luggage is lost or delayed. There are also provisions in some travel insurance packages which provide cover for errors in flight arrangements, provided that the errors are not the fault of the traveller.
Travel insurance can also provide similar coverage for cruises as well. The cruise insurance component of travel insurance can come into play when the cruise is delayed and hotel reservations need to be changed, or the cruise is disrupted and some means of arranging a return trip home emerge at the last minute . If you need emergency medical care, many travel insurance plans will provide coverage for air travel of the patient to a medical facility. Additionally, the insurance often covers the costs of medical procedures in the event that traditional health insurance is not recognized in the local jurisdiction.
There are a number of other situations that may be covered by travel insurance. Emergency legal assistance is a common component of travel insurance, along with transportation in the event the traveler needs to return home due to a serious illness, death, or other emergency related to close relatives. However, there are some exceptions to what travel insurance will cover. Pre-existing medical conditions are often excluded, as are any injuries sustained as a result of alcohol or drug abuse. For additional premiums, some travel insurance packages will cover participation in high-risk sports or travel to a country that is currently considered high-risk.
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