Travel Insurance FAQs

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

There are a lot of tough concepts when it comes to travel insurance. If you’re looking for a travel insurance policy that can protect you from everything from illness and injury to theft, here are the answers to some of the most frequently asked questions.

What is travel insurance?

Travel insurance is an insurance policy that protects you against the financial consequences of unexpected travel. It can cover a wide range of potential events, including medical emergencies, lost luggage, and emergency evacuation.

Read more here about what is travel insurance.

While not everyone needs travel insurance, it can be a valuable safety net if you’re planning a trip. If you’re wondering whether you need travel insurance, consider your personal circumstances and the type of trip you’re taking.

For example, if you’re traveling to a country with high medical costs, or you’re going on an adventure holiday where there’s a risk of injury, travel insurance may be a good idea.

If you decide you need travel insurance, make sure you understand what your policy covers. Read the fine print carefully, and don’t be afraid to ask questions if you’re unsure about anything.

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.

There is no one size fits all travel insurance

The most important thing to understand is that there is no one-size-fits-all policy.

What works for one person may not work for another. It’s important to know what you need and what is covered before buying a policy.

One of the most important things to understand is the difference between trip cancellation and trip interruption insurance.

Trip cancellation insurance will reimburse you for the cost of your trip if you have to cancel for a covered reason, such as a sickness or death in the family.

Trip interruption insurance, on the other hand, will reimburse you for the cost of your trip if you have to interrupt it for a covered reason, such as a sickness or death in the family.

Another important concept to understand is pre-existing conditions. Many travel insurance policies will not cover you for any medical expenses that are related to a pre-existing condition.

This is why it’s so important to read the fine print and make sure you understand what is and is not covered before buying a policy.

Finally, it’s also important to understand that travel insurance is not a replacement for health insurance.

Travel insurance will not cover for medical expenses that are not related to your trip. For example, if you get sick while on vacation, your travel insurance will not cover the cost of your medical treatment.

You will still need to have a separate health insurance policy to cover these expenses.

What does travel insurance cover?

When it comes to travel insurance, there are a lot of FAQs out there. One of the most common questions is “What does travel insurance cover?”

In short, travel insurance is a type of insurance that protects you against unexpected travel-related costs. This can include things like medical expenses, lost luggage, flight delays, and more.

There are two main types of travel insurance: specific policies that cover particular trips, and overall travel insurance policies.

If you’re buying travel insurance, it’s important to determine if you’re insurable and to understand what coverage you’re purchasing.

Be sure that you’re covered for the types of trips and destinations that you’ll be traveling to.

It’s also crucial to understand what you are and are not covered for. For example, some policies may not pay for emergency medical treatment.

By keeping these things in mind, you can better understand what travel insurance covers and make an informed decision about whether or not you need it.

Do you need travel insurance?

There is no one definitive answer to this question. It depends on many factors, including your personal risk tolerance, the type of trip you are taking, and the coverage you already have through other insurance policies (e.g. health, homeowners/renters, auto).

Some people never purchase travel insurance, while others always do. Ultimately, it is up to the individual to decide whether or not to buy travel insurance.

How much does travel insurance cost?

This is a difficult question to answer as it depends on a number of factors, such as where you are travelling to, the length of your trip, and the type of coverage you require.

Generally speaking, travel insurance can range anywhere from a few dollars to several hundred dollars.

How do I purchase travel insurance?

There are many ways to purchase travel insurance. You can buy it through a travel agent, a tour operator, an airline, or directly from an insurance company. You can also buy it online.

Who do I contact if I have questions about my travel insurance policy?

If you have questions about your travel insurance policy, you can contact the customer service department of the company that sold you the policy.