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Travel Insurance Coverage: The Complete Guide

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*Note: This article has been reorganized to highlight medical issues first, please visit the original link.

Travelers of all types buy travel insurance coverage: singles, families, honeymooners, seniors, volunteer vacationers, even business travelers. Every traveler and every trip is different, but understanding the benefits and exclusions is important to choosing the right policy or package plan.

Note: In each example, a range of coverage represents the high and low. Actual benefits will depend on the plan you choose.

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What Does Travel Insurance Cover?

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This simple guide will show you exactly how travel insurance protects you and your money

So, what does travel insurance cover? That’s exactly what we’re here to discuss today. Here’s the very short answer:

Travel insurance covers lost money from canceled trips, emergency medical expenses, evacuation costs, baggage & delays, and 24/7 assistance.

This is a simple overview of the coverage you get with comprehensive travel insurance. The long answer is that your specific travel plan will dictate the coverage you get. For a more in-depth explanation you can read our complete guide to travel insurance coverage. Meanwhile, we’re going to explain the 5 things most travel insurance plans cover. Towards the end, we’ll recommend your next steps in securing the best possible travel insurance coverage.

So, What Does Travel Insurance Cover? 5 Common Coverages

We’re going to start by explaining what travel insurance covers. From canceled trips to medical emergencies, evacuations to delays – most of your concerns are covered by the insurance company you get your plan through. However, the degree of coverage you have is dictated by your specific plan – so read carefully when comparing travel insurance plans. Oh – and after we finish up this section, we’ll answer an equally important question: what does travel insurance not cover? First things first – let’s talk about trip cancellation coverage.

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