Travel insurance covers you for medical expenses for injury or sickness while you are visiting a foreign country. It’s important that when you travel outside of your own country you have travel insurance to prevent you from having to pay expensive medical bills. Travel insurance doesn’t just over health-related issues, most policies also cover against lost baggage and cancellation of flights, so it really is a good idea to consider this type of insurance before you travel – you just don’t know what might happen, so it’s best to cover against all potential disasters!
What does Travel Insurance cover?
Travel insurance policies vary depending on the
insurer, but most cover the follow risks:
1. Medical
emergencies for accident or sickness
2. Emergency
evacuation
3. Repatriation
of remains
4. Return
of a minor
5. Trip
cancellation
6. Trip
interruption
7. Accidental
death, injury or disablement benefit
8. Overseas
funeral expenses
9. Lost,
stolen or damaged baggage, personal effects or travel documents
10. Delayed
baggage (and emergency replacement of essential items)
11. Flight
connection missed due to airline schedule crash
12. Travel
delays due to weather
13. Hijacking
14. Pregnancy
related expenses (if travel occurs during the first trimester after which this
type of cover varies by insurer)
What is not covered under Travel
Insurance?
There are certain things that are not covered by
travel insurance and you need to know what they are. When you are considering
which policy to buy, you must take note of these exclusions. In addition, the
terms and conditions regarding any exclusions may vary between insurance
companies, so it’s advisable to check thoroughly before purchasing the policy.
If these are not covered, you may wish to consider taking additional cover to
ensure you are fully protected.
1. Pre-existing
conditions such as asthmas or diabetes
2. Any
sports which are deemed as high-risk such as skiing or scuba diving
3. Travel
to high-risk countries where there could be war, natural disasters or terrorism
4. Acute
onset of pre-existing conditions. This means a sudden or unexpected outbreak or
recurrence of a pre-existing condition which occurs spontaneously and without
advance warning either by a physician’s recommendation or by symptoms, is of
short duration, is rapidly progressive and requires immediate care.
In the SchengenVisaItinerary, we are providing Flight
Itinerary, Travel Insurance and Hotel Reservation
also. For more information, please visit: https://www.schengenvisaitinerary.com/
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