What Does Travel Insurance Usually Cover?

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Travel insurance plans differ a lot. These are common types of coverage you may see when you compare plans.

Common coverage types

Trip cancellation: may reimburse prepaid, non-refundable costs if you have to cancel for a covered reason
Trip interruption: may help if a covered event cuts your trip short
Emergency medical: may help with medical costs during a trip
Baggage loss or delay: may help if your bags are lost, stolen or delayed
Travel delay: may help with extra costs when a delay meets the policy's conditions

Things to check in the policy

What counts as a covered reason
Exclusions, such as some pre-existing conditions or certain activities
Coverage limits and deductibles
How and when to file a claim, and what documents you need
Whether the plan fits your trip length, destination and activities

Tip

If you are unsure what you need, contact the insurer or a licensed professional before you buy.