What Does Travel Insurance Cover and What Does It Not?

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

Travel insurance is a protection policy that helps alleviate the financial burdens that can come with unforeseen events during travel. It covers expenses related to medical emergencies, trip cancellations, lost or stolen luggage, and other unexpected mishaps. Travel insurance does not cover every eventuality, however, so it’s important to know what it does and does not cover before purchasing a policy.

What Does Travel Insurance Cover?

When you purchase travel insurance, you are typically covered for unexpected medical expenses, trip cancellation, trip interruption, delays, lost baggage, and more.

Some policies will also cover you for activities such as skiing and other adventure activities.

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Trip cancellations

Trip cancellation is when you cancel your trip for a covered reason and are reimbursed for your prepaid, non-refundable expenses.

Travel insurance can help cover your investment in case you need to cancel your trip for a covered reason, like sickness, severe weather events, or work reasons.

Trip interruptions

Trip interruption insurance is a type of travel insurance that reimburses you for non-refundable expenses if you have to cancel or interrupt your trip.

This can include airfare, hotel, and tour reservations. Trip interruption insurance can also reimburse you for additional expenses incurred to get back home, such as transportation and lodging.

Most travel insurance policies have a trip interruption benefit, but the coverage varies. Some policies may only reimburse you up to a certain amount, while others may cover the full cost of your trip.

It’s important to read the fine print of your policy to understand what is and isn’t covered.

In order to make a claim, you will need to provide documentation to your insurance company showing that you had to cancel or interrupt your trip. This can include a letter from your doctor or a copy of your flight itinerary.

Also read: How does travel insurance work

Medical expenses

There is no one answer to this question as medical expenses and travel insurance policies can vary significantly in what they cover.

However, most policies will typically cover emergency medical expenses incurred while traveling, which can include things like hospital stays, doctor visits, and prescription medications.

Some policies may also cover evacuation and repatriation costs in the event that you need to be flown back to your home country for medical treatment.

It is always best to check with your specific policy to see what is covered.

Most travel insurance policies will cover medical expenses incurred while you are on your trip. This can include emergency medical care, hospitalization, and even evacuation back to your home country if necessary.

There are a variety of medical expenses that are typically not covered by travel insurance policies. These can include pre-existing medical conditions, routine check-ups, immunizations, and cosmetic procedures.

Pre-existing conditions are usually not covered by travel insurance, but there may be some exclusions or limitations. It is important to read the policy carefully to understand what is and is not covered.

Some policies may require that you purchase a waiver to cover pre-existing conditions.

Dental expenses

Most travel insurance policies will not cover dental expenses.

This is because dental expenses are generally considered to be preventable and therefore the responsibility of the individual to ensure that they have adequate cover in place.

There are some policies that may offer limited coverage for dental expenses, but this is usually in the case of an emergency.

Lost luggage

Most travel insurance policies will cover lost luggage, although there may be some restrictions. For example, the policy may only cover lost luggage if it is lost while in transit on a common carrier (such as an airplane or train).

Some policies may also have a limit on the amount of coverage for lost luggage. Be sure to check the terms and conditions of your policy to see what is covered.

Trip delays

A trip delay is a disruption to your travel plans that causes you to arrive at your destination later than expected. This can be due to a number of reasons, such as bad weather, a missed flight connection, or even a medical emergency.

If you have travel insurance, most policies will cover delays of up to 12 hours.

However, the coverage may vary depending on the policy. Some policies may only cover delays if they are due to an act of nature, while others may cover delays due to any reason.

Most policies will reimburse you for any non-refundable expenses, such as hotel reservations or rental car charges. Some policies may also provide you with a daily allowance for food and other incidentals.

If your delay is longer than 12 hours, you will likely need to make alternate travel arrangements at your own expense. In this case, your travel insurance policy will likely reimburse you for the cost of your alternate travel, up to the limit of your policy.

If you have to cancel your trip entirely due to a delay, most policies will reimburse you for the non-refundable portion of your trip, such as airfare or hotel reservations.

Before purchasing travel insurance, be sure to read the policy carefully to understand what is and is not covered. This will help you choose the right policy for your needs and give you peace of mind while you travel.

Most travel insurance policies will have some exclusions, so it’s important to read the policy carefully before you buy. Some common exclusions include pre-existing medical conditions, suicide, and self-inflicted injuries.

It’s also important to note that travel insurance does not cover everything. For example, it typically does not cover cancellations due to weather or political unrest.

And, it generally does not cover expenses related to lost or stolen passports or other travel documents.

What to check in the fine print?

When you are buying a travel insurance policy, it is important to read the fine print carefully in order to understand what is and is not covered. Some things that you may want to check for include:

• Coverage for medical expenses

Does the policy cover medical expenses in case you get sick or injured while on your trip?

• Coverage for trip cancellation

Does the policy cover trip cancellation in case you have to cancel your trip for a covered reason?

• Coverage for lost or stolen luggage

Does the policy cover lost or stolen luggage?

• Coverage for flight delays

Does the policy cover flight delays in case your flight is delayed?

• Coverage for missed connections

Does the policy cover missed connections in case you miss your connecting flight?

• Coverage for rental car damage

Does the policy cover rental car damage in case you damage your rental car?

What Does Travel Insurance Not Cover?

There are a few things that travel insurance does not cover. These include:

1. Pre-existing medical conditions

if you have a pre-existing medical condition, your travel insurance will not cover you for any treatment or expenses related to that condition.

2. Pregnancy

Most travel insurance policies will not cover you for any treatment or expenses related to pregnancy.

3. Alcohol and drug use

If you are injured or become ill as a result of alcohol or drug use, your travel insurance will not cover you.

4. Risky activities

Many travel insurance policies exclude coverage for injuries or illnesses that occur while participating in risky activities, such as bungee jumping, skydiving, or whitewater rafting.

5. Mental health conditions

Some travel insurance policies exclude coverage for mental health conditions, such as anxiety or depression.

6. War and terrorism

Most travel insurance policies exclude coverage for injuries or illnesses that occur as a result of war or terrorism.

How to File a Claim with Travel Insurance

When you purchase travel insurance, you are buying a protection policy in case something goes wrong on your trip.

The last thing you want to think about on your vacation is getting sick or injured, having your luggage lost or stolen, or having your flight delayed or canceled.

But if any of these things do happen, you’ll be glad you have travel insurance.

Most travel insurance policies will cover you for cancellations, delays, medical emergencies, and lost or stolen luggage.

Some policies will also cover you for things like a trip interruption, missed connections, and rental car collisions.

Before you file a claim with your travel insurance company, there are a few things you need to do.

First, gather all of the relevant documentation.

This includes your policy, the claim form, any receipts or documentation from the incident (medical bills, police reports, etc.), and any other supporting documentation (emails, letters, etc.).

Next, contact your travel insurance company to notify them of the incident and begin the claims process.

You will likely need to submit the claim form and supporting documentation.

The insurance company will then review your claim and determine if it is covered under your policy.

If your claim is approved, the insurance company will reimburse you for your covered expenses.

If your claim is denied, the insurance company will provide you with an explanation.

You may be able to appeal the decision if you believe the denial was in error.

Travel insurance claims can be complex, so it’s important to follow the instructions from your insurance company carefully.

If you have any questions, you should contact your insurance company or an attorney who specializes in travel insurance claims.

What to Do If Your Travel Insurance Claim is Denied

If you have been denied a travel insurance claim, there are a few things you can do in order to try and appeal the decision.

The first step is to contact the insurance company and ask for a written explanation of why your claim was denied.

Once you have this explanation, you can start to build your case for why the denial was incorrect.

It is important to gather as much evidence as possible to support your appeal.

This may include medical records, receipts, and any other documentation that can help to prove your case.

Once you have gathered all of this evidence, you will need to write a letter to the insurance company outlining your appeal.

In this letter, you should explain why you believe the denial was incorrect and provide all of the evidence you have gathered.

If the insurance company still denies your appeal, you may want to consider hiring a lawyer.

A lawyer can help to review your case and determine if there is any legal basis for appealing the decision.

If there is, they can help to represent you in court and fight for your rights.

How Much Does Travel Insurance Cost?

Assuming you are referring to travel insurance for an individual:

The cost of travel insurance varies depending on the coverage you need and the length of your trip.

For example, a basic policy might start at $15 for a short domestic trip, while comprehensive coverage for an international trip can cost more than $200.

Some policies only cover cancellations due to sickness or injury, while others cover lost baggage, trip interruption, and other unforeseen events.

You can also purchase insurance that covers adventurous activities like skiing or scuba diving.

To get an accurate quote, you will need to provide information about your trip, including the dates, destination, and purpose of travel.

You will also need to disclose any pre-existing medical conditions.

How to Choose the Right Travel Insurance Policy

When you’re planning a trip, the last thing you want to think about is what could go wrong. But if something does go wrong, travel insurance can help protect you from financial losses.

There are many different types of travel insurance policies available, and it can be confusing to know which one is right for you. Here are some tips to help you choose the right policy for your next trip:

1. Know what your health insurance covers.

If you have health insurance, check with your insurer to see what kind of coverage you have while traveling. Some policies will cover you internationally, while others will only cover you in the United States.

2. Consider your travel plans.

Are you planning to travel domestically or internationally? Are you going to be doing any activities that may be considered risky, such as skiing or whitewater rafting?

Your travel insurance policy should cover you for the activities you’re planning to do while on your trip.

3. Choose a policy with comprehensive coverage.

A comprehensive travel insurance policy will cover you for medical expenses, trip cancellation, lost or stolen luggage, and more. Make sure you understand what’s covered before you purchase a policy.

4. Read the fine print.

Before you purchase a travel insurance policy, read the fine print to make sure you understand the coverage. Pay attention to the exclusions and limitations so you know what’s not covered.

5. Compare prices.

Shop around to compare prices and coverage before you purchase a travel insurance policy. Get quotes from several different companies to make sure you’re getting the best deal.

6. Check the company’s financial stability.

Make sure the travel insurance company you’re considering is financially stable. You don’t want to purchase a policy from a company that might not be able to pay out claims.

7. Ask about customer service.

Find out what kind of customer service the travel insurance company offers. You’ll want to be able to reach someone easily if you have a question or need to file a claim.

8. Purchase your policy early.

Some travel insurance policies have time limits, so it’s important to purchase your policy early. If you wait until you’re about to leave on your trip, you might not be able to get the coverage you need.

9. Keep your policy with you.

Make sure you keep your travel insurance policy with you while you’re traveling. You’ll need

When buying travel insurance, it is important to check the following:

  • The policy should cover medical expenses in case of sickness or injury.
  • The policy should cover lost or stolen baggage.
  • The policy should cover cancellations or delays.
  • The policy should have 24/7 customer support.

All the best!