What does a travel insurance cover?

When travelling on holiday, one needs to be totally carefree to really enjoy the trip. But, anything can happen such as an accident, a medical emergency or an unfortunate event that forces you to cut back on that fascinating holiday. To make matters worse, the unexpected expenses that come with such an eventuality, for which you may not have planned. This is why travel insurance is so important.


Many people believe that since they enjoy good health normally, health insurance while travelling abroad can be dispensed with. This is fallacious thinking, as anything can happen during your trip. You could fall sick or get injured and need urgent hospitalization locally or immediate evacuation to your home country for treatment. The trauma of not having enough money readily would be terrible.

With the right travel insurance, you need not undergo such a trauma. Now, what is the right travel insurance? An insurance that covers most eventualities and is flexible and affordable should be the right choice. Remember, pre-existing medical conditions could restrict the insurance coverage. You must factor in these limitations when you check and compare the different travel insurance plans.

Some insurance providers may not cover existing medical conditions or high risk activities, while others may set some conditions to provide cover. Generally, force majeure, substance and alcohol abuse causes, suicides or self-inflicted injuries, are excluded from any coverage.

One must always opt for emergency medical insurance coverage which should also include providing air ambulance services, when travelling to countries which are rated low in health care and where you could encounter language difficulties.

It is advisable to carry a copy of your medical records while travelling abroad, in case of a medical emergency that may require an evacuation to your home country. Canadian insurance companies provide 24-hour customer service assistance, if you are insured with them, even if you are a foreigner.

Types of Covers for Travel Insurance

There are a number of covers available for overseas travel.

  • Medical expenses: This is usually the most important coverage, as it can reimburse you for unexpected medical bills incurred while traveling, including doctor visits, hospitalization, and emergency medical evacuation. Some plans may also cover dental and vision care.
  • Trip cancellation and interruption: This coverage reimburses you for non-refundable travel costs, such as flights, hotels, and tours, if you need to cancel your trip for a covered reason, such as illness, injury, or natural disaster. Some plans also offer coverage for trip interruption, which can reimburse you if you need to cut your trip short for a covered reason.
  • Baggage loss and damage: This coverage reimburses you for the value of your belongings if they are lost, stolen, or damaged while in transit or at your destination.
  • Travel delays: This coverage reimburses you for additional expenses, such as meals and accommodation, incurred due to a covered travel delay, such as a flight cancellation or missed connection.
  • Personal liability: This coverage provides financial protection if you are legally liable for someone else’s injuries or property damage while traveling.
  • Other potential coverages: Depending on the specific plan you choose, additional coverages may be available, such as:
    • Rental car damage: Reimburses you for damage to a rental car.
    • Adventure sports: Covers injuries sustained while participating in adventure sports.
    • Political unrest: Covers costs incurred due to political unrest or natural disasters.
    • Pre-existing medical conditions: Provides limited coverage for pre-existing medical conditions that may flare up during your trip.

If you are travelling to trouble spots then you should also opt for terrorism cover which would protect you against terrorism, war or hostilities.


Travel with Peace of Mind with Travel Insurance

Travel insurance, though often overlooked, acts as a safety net, offering financial protection against unexpected mishaps that can derail your dream holiday. Whether it’s medical emergencies, trip cancellations, lost luggage, or even supplier insolvency, a comprehensive travel insurance policy can alleviate financial burdens and ensure you focus on enjoying your journey.

So, before embarking on your next adventure, take the time to research and compare travel insurance options. Choose a policy that aligns with your travel style, destination, and budget. Remember, a little foresight can make all the difference in ensuring a worry-free and memorable travel experience.