Travel Insurance Explained – Key Terms & Questions

Yes, especially for international trips. It protects against unexpected costs like medical emergencies, cancellations, and lost belongings.

See also Travel Insurance

trip cancellation insurance reimburses prepaid expenses (flights, hotels, tours) if you cancel due to covered reasons like illness, family emergency, or severe weather.

trip cancellation covers trips you never start, interruption covers costs if your trip is cut short.

Yes, if you have medical coverage. This can include doctor visits, hospital stays, and sometimes emergency evacuation

Most policies exclude pre-existing conditions, unless you purchase a waiver within a set time after booking your trip.

emergency evacuation pays for transport to the nearest adequate hospital or back home if medically necessary.

repatriation of remains covers the cost of transporting a deceased traveler back to their home country.

deductible is the out-of-pocket amount you must pay before the insurance covers the rest of the claim.

To filer a claim Submit documents (receipts, medical reports, police reports if applicable) to the insurer for reimbursement. This can be handled mostly online. Please check with your insurer

Common exclusions include extreme sports, reckless behavior, alcohol-related incidents, or traveling against government advisories.

Primary coverage pays first, while secondary only covers costs left unpaid by your main insurance.

“Cancel for Any Reason” lets you cancel a trip for reasons not normally covered, such as changing your mind. It costs extra and usually reimburses 50–75% of prepaid costs.