Travel insurance is insurance that is intended to cover medical expenses and financial (such as money invested in non-refundable pre-payments) and other losses incurred while travelling, either within one’s own country, or internationally. For example, Travel Insurance covers:

• Trip Cancellation/Interruption
• Medical emergency
• Events like delay or missed departure
• Delayed arrival or Loss of baggage
• Passport loss and legal expenses
  

What is covered by Travel Insurance?

The most common risks that are covered by travel insurance are:

• Medical expenses
• Emergency evacuation/repatriation
• Overseas funeral expenses
• Accidental death, injury or disablement benefit
• Cancellation
• Curtailment
• Delayed departure
• Loss, theft or damage to personal possessions and money (including travel documents)
• Delayed baggage (and emergency replacement of essential items)
• Legal assistance
• Personal liability and rental car damage excess

What is excluded in the coverage?

Medical expenses arising out of:

• Pre-existing conditions except in case of life-threatening situations
• Addiction to alcohol, drugs
• Mental disorder, anxiety, depression
• Venereal diseases
• Sexually transmitted diseases, AIDS, HIV
• Radiation, nuclear weapons induced
• Sporting activities
• Loss of passport in public place
• Expenses arising out of loss of valuables, money, securities, and tickets