Defining Travel Insurance

Travel insurance is a type of insurance designed to cover various risks associated with traveling. It provides financial protection and assistance for a range of unforeseen events that may occur before or during a trip. The specific coverage can vary widely depending on the policy, but common features include:

1. Trip Cancellation and Interruption: Reimbursement for non-refundable expenses if you need to cancel or shorten your trip due to covered reasons, such as illness, injury, or natural disasters.
2. Medical Coverage: Coverage for medical expenses incurred due to illness or injury while traveling, including hospital stays, doctor visits, and emergency medical services.
3. Emergency Evacuation: Expenses related to transportation to a medical facility or back home in case of a medical emergency.
4. Lost or Delayed Baggage: Compensation for lost, stolen, or delayed luggage, helping to cover the costs of necessary items until your belongings are recovered.
5. Accidental Death or Dismemberment: Benefits paid to your beneficiaries in the event of your death or serious injury during the trip.
6. Travel Delays: Reimbursement for additional expenses caused by travel delays, such as accommodation and meals.
7. 24/7 Assistance: Access to emergency assistance services, which can provide help with medical referrals, travel changes, and other urgent needs.