Travel Insurance

Travel insurance is an insurance that is intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while traveling, either within one's own country, or internationally. Temporary 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. Coverage varies, and can be purchased to include higher risk items such as "winter sports". The premium normally depends upon the age of the traveler and the number of days he/she is travelling for.

The most common risks covered by travel insurance are:

  • Medical Emergency (Accident or Sickness)
  • Emergency evacuation
  • Repatriation of remains
  • Trip cancellations
  • Trip interruption
  • Accidental death, injury or disablement benefit
  • Overseas funeral expenses
  • Lost, stolen or damaged baggage, personal effects or travel documents
  • Delayed baggage (and emergency replacement of essential items)
  • Flight Connection was missed due to airline schedule
  • Travel Delays due to weather

Common Exclusions:

  • Pre-existing medical conditions
  • War or terrorism - but some plans may cover this risk, and some do cover for acts of terrorism
  • Injury or illness caused by alcohol or drug use

Call us for further information.