Travel Insurance is designed to protect your travel investment, cover emergency medical expenses, and provide peace of mind.
Whether traveling for business or fun, travel protection packages provide financial security for those unforeseen perils that may occur. Benefits vary by carrier and plan design and may include coverage for trip cancellation or interruption, emergency medical expenses for illness or injury, costly emergency medical evacuation, travel delays, lost or damaged baggage, emergency assistance services, and more.
What's a Deductible?
(Also known as excess in UK, NZ, AU) This is the amount that the insured must pay before the insurance provider starts paying. This may be an annual amount, an amount for the duration of the policy, or an amount for each incident.
What are Pre-existing Conditions?
Medical conditions that existed before the plan or policy took effect. Different plans defined and cover Pre-existing Conditions differently. Be sure to check the plan details!
What if my travel supplier declares Bankruptcy?
Many trip protection plans cover lost travel expenses due to travel supplier bankruptcy, but there are substantial differences among plans. Some plans only cover a specified list of travel suppliers, others require that you purchase the insurance within 7-14 days of paying the initial trip deposit. Be sure to check plan details
Travel Protection vs Travel Medical
Travel Protection plans typically reimburse your non-reimbursed travel expenses if an emergency occurs causing your trip to be canceled, interrupted or delayed. Travel Medical insurance is medical insurance designed to reimburse you for medical expenses incurred while traveling.
What is Co-Insurance or Co-pay?
This is the percentage or amount of expenses that the insured pays (if any) after the deductible is paid. Example: "Co-Insurance = 20% or co-pay is 80/20" means that the insurance company pays 80% of the charges, the insured pays 20%
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