Travel Insurance – What’s Covered and What’s Not

Buying travel insurance is the best way to ensure your protection and financial stability while traveling. Aside from the fact that it can reimburse you for your lost luggage and medical expenses, it can also help you in case your trip is canceled because of illness or death. However, there are certain limitations and exclusions that you need to be aware of.

Medical coverage

Whether you are traveling for business or pleasure, it’s always a good idea to purchase travel medical coverage. This type of insurance can cover a range of medical expenses, from emergency evacuations to expensive med-flights back home.

If you need to file a claim, contact the insurer as soon as possible. This will help avoid any claims issues later on.

Many travel protection plans also have a “look-back” period. This means the insurance company can look back six months to three years prior to the effective date of the plan. This allows the insurance company to assess whether the treatment you received was covered.

You should also ask about any exclusions or limitations on your health insurance policy. If you have an existing condition, this will not automatically be covered by your travel medical insurance.

Lost luggage

Whether you are traveling to a new city or abroad for business, travel insurance for lost luggage can help you get your stuff back home. A good travel insurance policy should provide a range of benefits. This is especially important if you have a valuable item in your checked bag. The airline may offer to deliver your luggage to you via courier, or you may be able to pick it up at the airport.

The best way to determine what you are entitled to is to review the policy you purchased. You should also check to see if there is a luggage delay cover. If so, you will be refunded for the cost of items you need to replace.

The “Baggage Bundle” is a nice enhancement that doubles the coverage limit of your lost, stolen or damaged baggage. However, a lot of airlines don’t actually pay out the full amount.

Cancellation due to sickness or death

Choosing a travel insurance policy with a comprehensive list of coverage options is a good idea. A good insurer will be able to reimburse you for lost luggage, delays, and unforeseen accidents. However, you’ll have to shell out out of pocket for the trip itself. The insurance company may be more receptive to your problems if you first try to obtain a refund from your travel supplier.

If you’re still in the dark ages, you’ll be glad to know that most providers are readily available 24 hours a day, seven days a week. This gives you plenty of time to sift through the myriad plans and policies before you make your final decision. In fact, your insurance provider might even reward you for taking the time to do your homework.

Reimbursement of travel expenses

Using travel insurance to reimburse expenses is a great way to ensure that you will have some financial protection if you get sick or need to cancel your travel adventure. However, some policies have limits, such as a cap on the total amount you can receive in reimbursements. Read the policy carefully to find out if you qualify.

Travel insurance may not be available in all states. You should also know that some policies only cover half of the length of the trip. Choosing the right policy for your needs is very important.

In addition, you should also choose a plan that offers a variety of benefits. Some plans provide $100 to $300 per day. You can also choose a “Cancel for Any Reason” policy, which will reimburse you for a portion of your travel expenses, even if you are not able to make the trip.


Getting your hands on a good travel insurance policy is all about knowing what’s covered and what’s not. Some of the more common exclusions include pregnancy, extreme sports, bungee jumping, and adventure activities.

Some insurers also only cover the major medical expenses of travelers with pre-existing illnesses. In fact, you should only purchase a travel insurance policy if you have stable health conditions.

The best way to decide which is the right policy is to compare the many options available. Some policies are limited to a specific country of purchase, while others provide comprehensive coverage for solo, group, or family trips. You can also opt for a cancellation policy, which may exclude certain work obligations or flight delays.

You might have heard of insurance terms such as the pre-existing condition or medical emergency, but do you know what’s in the fine print?