Travel insurance

Travel insurance




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.

Travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a "multi-trip" policy can cover an unlimited number of trips within a set time frame. Some policies offer lower and higher medical-expense options; the higher ones are chiefly for countries that have extremely high medical costs, such as the USA.

Contents
* Coverage types
* Optional coverage
* Common exclusions
* External links
Coverage types
The most common risks that are covered by travel insurance plans are:

Medical emergency
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.......