Travel insurance protects you against financial losses that can occur while traveling — internationally or domestically. It typically covers trip cancellation or interruption, emergency medical treatment, medical evacuation, lost or delayed baggage, and travel delays.
What it covers
- Trip cancellation and interruption
- Emergency medical expenses abroad
- Medical evacuation and repatriation
- Lost, stolen, or delayed baggage
- Travel delays and missed connections
- Personal liability while overseas
- Accidental death and disability during travel
- Emergency dental treatment abroad
What it doesn’t cover
- Pre-existing medical conditions (unless a waiver is purchased)
- High-risk adventure activities (unless added as a rider)
- Travel against government advisories
- Incidents involving alcohol or drug use
- Routine medical check-ups abroad
- Elective treatments
How to choose
Consider where you’re traveling, the length of your trip, any pre-existing medical conditions, and the activities you’ll be doing. Check if your credit card already includes travel insurance. Compare single-trip vs annual multi-trip policies based on your travel frequency. Read the medical coverage limits carefully — especially for destinations like the USA where healthcare costs are high.