Quick Answer: What Does Travel Insurance Actually Cover?

A typical travel insurance policy will have coverage for a traveler’s main concerns, including trip cancellations, medical emergencies, travel delays, and lost luggage.

Most policies are built to be comprehensive to protect travelers from a variety of events that may cause a financial loss before or during their trip.

What is flight insurance good for?

Flight insurance (not to be confused with flight accident insurance) is a form of travel insurance that offers financial protection against losses that are related to air travel. Other than cancellation and delay, travelers also need protection against flight accidents.

Does travel insurance cover jury duty?

Jury duty – that civic obligation to serve on a jury when called – can wreak havoc on a traveler’s plans. Many travel insurance plans specifically list being required to serve on a jury or required to appear in court as a witness in a legal action as covered reasons to cancel your trip.

What is a covered reason for trip cancellation?

Typical covered reasons for trip cancellation/interruption include: Injury or illness of insured, travel companion, family member, or business partner. Hurricane or natural disaster strikes destination. Bankruptcy or financial default of travel company. Terrorism or mandatory evacuation at destination.

What is covered under Allianz travel insurance?

Travel insurance from Allianz Global Assistance covers losses resulting from unforeseen pregnancy complications, such as pre-eclampsia or pre-term labor. This means if you must cancel or interrupt a trip because of a covered pregnancy complication, your travel insurance may reimburse you for nonrefundable trip costs.