1. What is travel insurance?
Travel insurance is a policy that covers the risks of trip cancellations, medical emergencies, or lost luggage during trips.
2. Why do I need travel insurance?
Travel insurance gives you financial protection and peace of mind in case of unexpected situations like illness, accidents, natural disasters, or travel disruptions.
3. What does travel insurance typically cover?
Common coverage includes:
Trip cancellations or interruptions
Medical emergencies
Emergency evacuation
Lost, stolen, or delayed luggage
Flight delays or missed connections
4. What does travel insurance not cover?
Exclusions may include:
Pre-existing medical conditions (unless specifically covered)
High-risk activities (e.g., extreme sports)
Non-refundable deposits for foreseeable events
Traveling to high-risk destinations under government advisories
5. How much does travel insurance cost?
The cost varies depending on:
Trip length and cost
Destination
Age of the traveler
Coverage level
On average, it’s 4-10% of the total trip cost.
6. Should I purchase travel insurance?
Ideally, after booking your trip to get coverage for maximum periods especially cancellation or interruption of a trip
7. Should I purchase travel insurance?
A must according to some countries’ entry requirements where it is mandatory, for example, Schengen Area countries, but not required everywhere; it is highly recommended, though
8. Does it cover travel insurance?
In many policies these days, they include COVID-19-related medical expenses, cancellation, or quarantine; so one must check on terms.
9. How do I make a claim?
To file a claim:
Contact your insurer as soon as possible.
Provide required documentation (e.g., receipts, medical reports, or proof of delay).
Follow the insurer’s specific claim submission process.
10. Can I get travel insurance for specific needs?
Yes! Specialized policies are available for:
Adventure travelers
Long-term backpackers
Cruise trips
Business travelers
Let me know if you’d like more details on any of these!