Are You Covered?

Travel Insurance: Coverage, Benefits, and Exclusions

• Travel insurance covers losses incurred while travelling internationally or domestically.
• Basic policies cover emergency medical expenses, while comprehensive policies cover other expenses like trip cancellation, lost luggage, flight delays, public liability, and more.
• Premiums are determined based on the destination, duration, age of travellers, optional benefits, and the estimated value of the trip.
• Travel insurance policies must be purchased before departure or from the first departure point. Some policies offer coverage for one-way travel for permanent relocation.
• Some credit card issuers offer automatic travel insurance, but these policies are generic and do not take personal requirements and circumstances into account.
• Medical benefits include coverage for minor injury or illness, hospitalisation, emergency assistance services, and repatriation of remains or funeral overseas.
• Comprehensive policies include cancellation cover for unforeseen circumstances like illness, injury, natural disasters, bad weather, strikes, riots, and family emergencies.
• Policies may include benefits for alternative transport, accommodation, meal expenses, and purchase of essential items in case of baggage delay.
• Luggage benefits cover loss, damage, or theft of personal effects, including passports and travel documents.
• Public liability covers legal liability for bodily injuries or damage to property of other persons.
• Optional benefits include coverage for pre-existing conditions, higher risk sports and activities, rental car damage, and cruising.
• Common exclusions are ongoing known events, pandemics and endemics, acts of war and terrorism, and travel to certain countries or parts of countries.
• Certain countries require foreign visitors to have proof of sufficient travel insurance as a condition for granting a visa or visa-free entry.