Medical Emergencies

This includes coverage for unexpected medical expenses, hospitalization, emergency medical evacuation, and repatriation in case of a medical emergency while traveling. This coverage may also include pre-existing medical conditions if disclosed and approved by the insurance provider.

Trip Cancellation or Interruption

This coverage provides reimbursement for non-refundable travel expenses if a trip is cancelled or interrupted due to unforeseen events such as illness, injury, or natural disasters. Some policies may also provide coverage for cancelled or interrupted trips due to work-related issues or terrorism.

Baggage and Personal Belongings

This includes coverage for loss, theft, or damage to baggage and personal belongings during travel, as well as reimbursement for essential items in case of delayed baggage. Some policies may also cover loss or damage to electronic devices such as laptops and cameras.

Personal Liability

This coverage provides protection against claims made against you for accidental injury or damage to property caused to a third-party during travel. This coverage may also include legal fees associated with defending against such claims.

Trip Delays

This includes coverage for additional expenses incurred due to flight or trip delays, including accommodation, transportation, and meals. Some policies may also provide coverage for missed connections due to flight delays or cancellations.

Legal Assistance

This coverage provides legal assistance and advice in case of legal emergencies while traveling, such as arrest, wrongful detention, or legal disputes. This coverage may also include translation services for non-native speakers.

Emergency Assistance Services

This includes 24/7 emergency assistance services such as emergency medical assistance, travel information, and concierge services. Some policies may also include travel and medical assistance for family members or traveling companions.

Pre-existing medical conditions

Many travel insurance policies exclude coverage for pre-existing medical conditions, which are medical conditions that the traveller had before purchasing the policy.

High-risk activities

Travel insurance policies may exclude coverage for injuries sustained during high-risk activities, such as extreme sports, skydiving, and bungee jumping.

Intoxication

Injuries sustained under the influence of drugs or alcohol may be excluded from coverage.

Illegal activities

Travel insurance policies typically exclude coverage for injuries sustained while engaging in illegal activities.

Non-emergency medical treatment

Many travel insurance policies exclude coverage for non-emergency medical treatment, such as routine check-ups or elective procedures.

War or terrorism

Travel insurance policies may exclude coverage for injuries sustained in acts of war or terrorism.

Natural disasters

Some travel insurance policies may exclude coverage for injuries or losses sustained in natural disasters, such as earthquakes, floods, or hurricanes.

Non-medical emergencies

Travel insurance policies may exclude coverage for non-medical emergencies, such as lost or stolen passports or missed flights.

Destination

The cost of travel insurance can vary depending on the destination, as some locations may be considered higher risk for certain events, such as medical emergencies or natural disasters.

Length of trip

Longer trips may result in higher premiums due to the increased likelihood of unexpected events.

Age

Older travellers may pay higher premiums and be considered at higher risk for medical issues or other unexpected events.

Health

Pre-existing medical conditions or chronic illnesses may result in higher premiums, as these conditions may increase the likelihood of medical issues during the trip.

Coverage amount

The coverage selected can affect the premium, as higher coverage limits may result in higher premiums.

Type of coverage

The selected coverage can also affect the premium, as policies that include additional coverage for activities such as adventure sports may result in higher premiums.

Deductible

A higher deductible may result in a lower premium, as the policyholder will be responsible for paying more out of pocket in case of a claim.

Step One: Contact the insurance company/aggregator/agent

The first step is to contact the insurance provider immediately after the incident. Most insurance companies have a 24/7 helpline that can be used to report the claim.

Step Two: Provide necessary details

The insurance company will ask for specific information about the incident, such as the date, time, and location of the incident and any relevant policy details.

Step Three: Submit the claim form

The insurance company will provide a form that needs to be filled out and submitted along with any supporting documents, such as medical bills or police reports. The claim form can usually be downloaded from the insurance company's website.

Step Four: Provide supporting documents

In addition to the claim form, the insurance company will require supporting documents to process the claim. This may include medical bills, receipts, and other documentation related to the incident.

Step Five: Follow up with the insurance company

After the claim has been submitted, it's important to follow up with the insurance company regularly to ensure that the claim is being processed promptly.

Step Six: Await the claim decision

The insurance company will review the claim and decide whether to approve or deny the claim. If approved, the insurance company will provide the appropriate compensation.