Travel Insurance Explained: What You Need and Why

Ever thought about what you’d do if you lost your luggage, got sick abroad, or had to cancel a trip last minute? These aren’t fun scenarios to think about when planning a vacation. But they’re real possibilities that could throw a wrench in your travel plans and budget. That’s where travel insurance comes in. Let’s take a look at what travel insurance can help with. 

What Does Travel Insurance Cover?

Travel insurance is designed to cover financial losses and assist with unforeseen problems during your travels. Coverage can vary widely by policy, but common features include:

Trip Cancellation and Interruption: This coverage reimburses you for prepaid, non-refundable travel expenses if your trip is canceled or cut short. This can include reasons like illness, death of a family member, or unforeseen natural disasters.

Medical Emergencies: Travel insurance can cover medical and dental emergencies. It can provide coverage for hospital stays, medication, and sometimes even medical evacuation.

Baggage and Personal Items: Losing your baggage or having it stolen can be distressing and costly. Travel insurance can reimburse you for lost, stolen, or damaged luggage and personal items.

Personal Liability: In case you accidentally injure someone or damage property while traveling, personal liability coverage can help cover legal expenses or compensation you need to pay.

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