What Does Travel Insurance Cover Me For

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

So, you’ve packed your bags, updated your passport, and booked your flight. Everything’s set for your grand adventure, right? Well, almost. One crucial aspect of your travel plans might still be missing: your travel insurance.

You’ve probably heard of travel insurance and know it’s important.

However, you might find yourself wondering, “What exactly does travel insurance cover me for?” This guide will answer that question in detail, so you can confidently embark on your journey.

Medical Expenses

Health is wealth, especially when you’re far from home. One of the primary aspects travel insurance covers is medical expenses.

This can range from minor ailments to serious injuries that might occur during your travels. Remember, the cost of healthcare can vary significantly from country to country, and without insurance, these costs can be astronomical.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Trip Cancellation and Interruption

Life can throw curveballs when we least expect it. Unexpected occurrences might lead to the cancellation or interruption of your trip.

This is where travel insurance comes in handy. Most policies will cover you for non-refundable costs like flights, hotel bookings, and other prepaid expenses if you have to cancel or cut your trip short due to circumstances like illness, a death in the family, or even significant travel delays.

Baggage and Personal Belongings

Losing your luggage or personal belongings can be a major inconvenience. Thankfully, travel insurance often includes coverage for lost, stolen, or damaged personal items. This can include everything from your suitcase to your passport or valuable items like electronics.

Emergency Evacuation and Repatriation

In the event of a serious injury or illness, travel insurance typically covers the cost of emergency medical evacuations, which can be incredibly costly without coverage. Additionally, in the worst-case scenario of a traveler’s death, travel insurance can cover the repatriation of remains to the traveler’s home country.

Travel Delays

Sometimes, delays are inevitable. Whether it’s due to weather conditions, strikes, or mechanical issues, travel insurance can provide coverage for additional accommodations, meals, and “catch-up” transportation.


Remember, the exact coverage can vary from policy to policy, so it’s essential to read the fine print and understand what your travel insurance does and does not cover before setting off on your travels.

Armed with this knowledge, you can venture forth with peace of mind, knowing that you’re prepared for whatever the journey may bring.

Frequently Asked Questions

Q: Does travel insurance always cover medical expenses?

A: While most travel insurance policies cover medical expenses, the extent of coverage can vary. Always read the policy’s fine print to understand what is covered and the limits to this coverage.

Q: Are pre-existing conditions covered by travel insurance?

A: Some travel insurance policies may cover pre-existing conditions, but typically only if the condition has been stable for a certain period before the policy was purchased. Make sure to check the policy’s stance on pre-existing conditions.

Q: Is travel insurance mandatory?

A: The necessity of travel insurance depends on the country you’re visiting. Some countries require proof of travel insurance upon entry, while for others, it’s optional. Nonetheless, having travel insurance is always a good idea to protect against unexpected mishaps.