Travel talks

Travel insurance policy and everything you need to know.

Travel is unpredictable, even at the best of times. Travel insurance helps protect you against the unexpected. If your trip is canceled unexpectedly or ends early, would you be able to easily accept the financial loss? Or, if someone in your party required evacuation due to a medical issue, could you cover that expense? Travel insurance can help with these concerns and many more. This will bring us to different kinds of insurance you can apply for whenever you want to travel.

Types of travel insurance

Comprehensive travel insurance.

These plans provide the best protection for the investment you have made in your trip. They can be used for both leisure and business travel, which make them ideal for nearly every traveler. It offer coverage such as trip interruption, baggage, medical, dental, emergency evacuation, 24-hour traveler assistance and accidental death benefits.

Travel major medical plan.

These plans are only available to travelers who are leaving their home country and require medical insurance that will fill the gaps in their primary health insurance coverage while traveling internationally. Travel major medical plans are a special type of coverage designed specifically for people who are planning long-term travel. Or rather, they are designed for people who will be traveling outside of their home country for six months or more.

Evacuation plans insurance

Emergency medical evacuation plans provide transport assistance in the event that you become seriously ill or injured while traveling. With some emergency medical evacuation plans, you may be able to stipulate the hospital to which you would like to be transported. This is known as a “hospital of choice” benefit and the availability ranges by plan

Schengen visa Insurance

Schengen Visa travel insurance plans are built for travelers who require a Schengen Visa when traveling to one of the 27 European Countries in the Schengen Area. Schengen Visa requirements are based on citizenship, not residency.

Accidental travel plan insurance

Accidental Death & Dismemberment plans are similar to a life insurance policy, in that you would name a beneficiary upon purchasing your travel insurance. In most cases this kind of topic is very tough topic to talk about.

Vacation rentals travel insurance

Vacation rental plans offer property damage coverage for U.S. residents that will be renting a vacation home during their trip, including condos, cabins, villas, apartments, and more. The coverage is intended to help cover expenses related to accidental damage that may occur to the rental property, which may include broken items like lamps, windows, doors, and electronics. The vacation rental damage plans may also cover staining of bedding and linens. Lost keys and re-keying costs may also be covered under these plans.

When do I need a travel Insurance ?

The optimal time to purchase would be as soon as you’ve made your first payment towards your trip, such as booking flights or making a hotel reservation. This is because from the moment you make a financial investment in your travel plans, you expose yourself to risk, for example, cancellation due to illness or unexpected event . it’s important to note that while purchasing travel insurance in advance is generally recommended, you can often buy travel insurance up until the day before you depart.

How do I know if I need insurance

Depends on a variety of factors such as your destination, the length of your trip, what you’ll be doing, the value of your luggage, your health condition, and your risk tolerance. Another factor to consider to consider when applying for an insurance policy is financial capacity.

Here are a few questions that can help you determine.

Can you afford the costs of a medical emergency abroad? If you fell ill or got injured during your trip your abroad, travel insurance can be a lifesaver.

Are you traveling with valuables? If you’re traveling with expensive gear or luggage, travel insurance can cover the cost if it’s stolen or damaged.

Is your trip costly? If you’ve prepaid for a significant part of your trip and the bookings are non-refundable, travel insurance might be worth considering. It can cover your costs if you need to cancel your trip for a covered reason.

What is your general health condition? If you have a pre-existing condition, you need to make sure you’re covered if anything related to that condition happens during your trip.

The Benefit of travel insurance.

Travel insurance offers numerous benefits that can potentially save you a significant amount of money and distress. Here are some key benefits:

1.Medical Emergencies: Travel insurance cover the costs of medical emergencies during your trip.

2.Trip Cancellation or Interruption: If unforeseen circumstances, like a family emergency or serious illness, force you to cancel your trip, travel insurance can cover the non-refundable aspect of your travel expenses.

3. Lost, Stolen, or Damaged Belongings: Losing your baggage or having items stolen while traveling can be a nightmare. Travel insurance policies often cover the cost of lost, stolen, or damaged belongings.

4. Travel Delays: If your trip is delayed due to airline issues or other unforeseen events, travel insurance could provide compensation for additional accommodation, meals, or alternative arrangements.

5. Financial Protection: In case the company with which you’ve booked your trip goes bankrupt, some travel insurance policies would cover the losses you might potentially incur.

6. Repatriation: If tragedy strikes and you or a loved one passes away on the trip, travel insurance can cover the costs of returning the body back home..


Travel insurance provides financial protection during journeys. It covers unforeseen incidents like medical emergencies, trip cancellations or delays, and lost luggage. It’s vital due to high potential costs of mishaps, ensuring hassle-free travel and peace of mind.

Looking for the best insurance company for your next trip have you covered

Leave a Reply

Back to top button