Travel insurance protects your finances when you’re abroad for business or pleasure. If you’re ill or injured in another country your policy will pay for treatment, hospitalisation, and repatriation to your home country, something that will otherwise cost a fortune. Many policies include cover for covid.
What’s covered?
Travel insurance also pays out if you lose your luggage or your belongings are stolen, plus a broad range of things that sometimes go wrong while you’re travelling:
- Medical expenses
- Repatriation for medical reasons
- Covers your baggage if it is lost or stolen, damaged or destroyed
- Missed departures, covering extra accommodation and travel expenses if you miss your flight, boat or train because of a situation beyond your control
- Cancellation or curtailment – If you have to cancel or shorten your trip your extra travel and accommodation costs are covered
- Delays to your travel plans
- Abandonment – if you have to completely abandon your journey
- Personal liability
- Optional dental emergency cover
- Optional cover for your money, tickets and travellers cheques
- Lost passports
- Terrorism
- Optional cover for winter sports
- Optional cover for a range of extreme sports
- The best policies also include a 24/7 medical helpline to call if you need help or advice