Travel insurance is a type of insurance coverage designed to provide financial protection to travelers against various risks and emergencies that may occur during their trips. It offers peace of mind by covering unexpected expenses and assisting travelers in dealing with unforeseen situations while away from home.
Here are the key features of travel insurance:
- Medical Coverage: Travel insurance provides coverage for medical emergencies and expenses incurred during the trip. This includes hospitalization, medical treatments, emergency medical evacuation, and repatriation of mortal remains in case of death.
- Trip Cancellation and Interruption: Travel insurance reimburses the pre-paid, non-refundable expenses if a trip is canceled or cut short due to unforeseen circumstances such as illness, injury, death of a family member, or other covered reasons.
- Baggage and Personal Belongings: Travel insurance covers loss, theft, or damage to baggage and personal belongings during the trip. This includes compensation for essential items and emergency purchases due to delayed baggage.
- Trip Delay and Missed Connection: Travelers may be compensated for additional expenses incurred due to trip delays or missed connections, such as accommodation and meals.
- Emergency Assistance Services: Travel insurance often provides 24/7 emergency assistance services, including medical advice, travel guidance, and help in case of lost documents or emergencies.