Travel Insurance FAQs

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What is travel insurance?

Travel insurance usually provides broader coverage than just trip insurance alone. In addition to providing trip insurance for trip delays, trip interruptions, trip cancellations and related problems, it may also cover additional travel-related expenses such as those incurred for medical and health emergencies that may arise during your trip.

Some plans also provide services such as travel-related advice, evacuation to your home or hospital in case of a medical emergency, emergency cash or help in the event of the loss or theft of your money, valuables or travel documents.

Why would I need trip or travel insurance?

The outlay of money for travelling can be quite substantial. You may find yourself facing the loss of more money than you want to lose should unforeseen circumstances arise that make it necessary to cancel or interrupt your trip.

Travel insurance can provide protection against such losses in many cases. Other unforeseen losses such as trip delays or baggage delays can also be covered.

Depending upon the features of the plan that you purchase, travel insurance can provide the additional assurance that expenses will be covered for medical care including hospital admission, emergency dental care, and emergency medical evacuation. Emergency cash advances, and help with retrieval of luggage or other services may also be available.

What benefits is gained by purchasing travel insurance?

Many things cannot be anticipated. Trip insurance can provide some financial protection if you have to cancel because you or a travelling companion or immediate family member suffers an injury or sickness or death, or if you need emergency assistance during the trip.

In the event of a claim, will I have to pay any excess?

Yes. You will have to pay an excess under most sections of the policy. This means that each person covered under the policy will be responsible for paying the first part of the claim for each incident.