The details of travel insurance can differ between
insurers, and you should always check the policy wording before you buy your
policy to be certain of what you’re covered for. In general, most travel
insurance covers:
• Possessions:
When items such as your luggage, important document, or cash up to a certain
amount are lost or stolen
• Medical treatment:
Insurers generally include cover for emergency medical treatment, though if you
haven’t declared any pre-existing medical conditions, treatment for that
condition likely won’t be covered
• Holiday disruptions:
Reimbursement for disruptions to your travel or living arrangements, such as
involuntary abandonment or missed departures, delayed flights, cancelled
flights or accommodation,
or a curtailed trip
• Legal costs:
For if you have to pay legal fees for an incident that wasn’t your fault. If
you have to pay personal liability if an incident was your fault, your insurer
may also pick up the cost
There are also some common things that most travel
insurance policies won’t cover, so be sure to check the policy
documents. In these cases, it’s often possible to buy extra cover for an
additional price.
Typical
things that may not be covered as standard by travel insurance include:
• Adventurous activities:
Winter sports or other potentially hazardous activities like climbing, shark
cage diving and white-water rafting may not be automatically insured, but you
may be able to take out extra cover
• Expensive items:
Gadgets, designer clothes or sports and music equipment are often excluded from
standard travel policies. If you’re taking your laptop, fancy sunglasses or a
guitar with you, check if you’ll need additional cover as some insurers will
have a maximum price limit for individual items that you can claim for
Labour-induced
injuries: If you injure yourself working a temporary job while
you’re backpacking, for example, you may not be covered
No comments:
Post a Comment