The most common risks that are covered by Travel Insurance Plans are

Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or within one’s own country

Medical emergency

Repatriation of remains

Return of a minor

Trip cancellation

Trip interruption

Visitor health insurance

Accidental death, injury or disablement benefit

Overseas funeral expenses

Lost, stolen or damaged baggage, personal effects or travel documents

Delayed baggage (and emergency replacement of essential items)

Flight connection was missed due to airline schedule

Travel delays due to weather


Cancellation, Curtailment and Trip Interruption

This section covers any unused travel and or accommodation costs, pre-paid charges (including any additional travel expenses incurred, provided they are deemed reasonable and necessary) if a trip is canceled or cut short under a variety of circumstances, which may include any of the following, depending on the policy:

death, bodily injury, illness, disease, or pregnancy complications

compulsory quarantine

jury service

being called as a witness

termination of employment (provided you did not know about it before you booked the holiday)

being called up if you are a member of the armed forces or other public defense or safety organization

prohibition of travel by the government to the intended destination

officially recommended evacuation from the intended destination

official advisory against going to or remaining at the intended destination

Medical expense coverage can be per-occurrence or maximum-limit

Common Exclusions

Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance. Pre-existing medical conditions must be declared prior to the trip start date. In case you ignore this requirement and fall ill during your trip abroad, you may find that you are not covered. The European Health Insurance Card (EHIC) entitles to treatment in state-run hospitals in EU countries and Iceland, Norway, Liechtenstein and Switzerland`{`1`}` but it is not a substitute for travel insurance.

Pre-existing medical conditions

Elective surgery or treatment


Injury or illness caused by alcohol or drug use

Terrorism – Most trip cancellation policies include terrorism but only when there is an act of terrorism that meets the policy’s criteria including definition, place of occurrence and date of occurrence.