You have planned, decided, and booked a ticket. Now you’re off to paradise on your vacation, something you’ve been looking forward to for some time. It would be a dogfish shame to have an unforeseen event or an illness get in the way of a good time. It would be far worse to need medical care overseas without having any insurance.

That’s where travel insurance comes in. Travel insurance provides the peace of mind of coverage from the common mishaps of life.

Common Coverage:

* Unexpected medical expenses (non-pre-existing conditions)
* Accident emergency hospital expenses
* Emergency evacuation/repatriation coverage
* Accidental death, injury or disablement benefits
* Cancellation insurance
* Delayed departure assistance
* Loss, theft or damage to personal possessions and money
* Emergency replacement of essential items for delayed luggage
* Legal assistance
* Help with stolen travel documents
* Personal liability insurance
* Rental car excess insurance

The above is typical but not every policy will have these benefits. Travel insurance policies differ widely. Make sure you understand the benefits your policy provides before you accept it.

Common Limitations:

Standard travel insurance is for travel to non-high-risk countries. If you travel to a high-risk country, a separate policy will be required.

Accidents from certain risky sports (skiing, scuba diving) are not covered by many travel policies. If you intend to participate in a dangerous sport, check to make sure your policy will cover you.

Acts of terrorism and natural disasters are often excluded.

Pre-existing medical conditions, pregnancy related costs, and injury due to alcohol or drug use are rarely covered by any travel insurance policy.

Enjoy Your Trip:

Relax and have a good time. Be aware that travel insurance companies typically provide helpful services, often 24 hours a day, 7 days a week.