What risks are covered by travel insurance for travellers during a trip?

Travel insurance typically covers a wide range of risks that travellers may encounter before or during a trip. The specific coverage depends on the policy, but most standard travel insurance plans include the following protections:

1. Trip-related risks:

Trip cancellation: Reimbursement if you need to cancel your trip due to covered reasons (e.g., illness, injury, death of a family member, natural disasters, job loss).

Trip interruption: Coverage for unused portions of the trip and additional expenses if your journey is unexpectedly cut short.

Trip delay: Compensation for expenses such as meals, accommodation, and transportation if your trip is delayed beyond a specified number of hours.

2. Medical risks:

Emergency medical expenses: Coverage for illness or injury while abroad, including doctor visits, hospital stays, and prescribed medication.

Emergency medical evacuation: Costs of transporting you to the nearest suitable medical facility or returning you home.

3. Baggage and personal belongings:

Lost, stolen, or delayed baggage: Reimbursement for essential items or replacement costs.

Loss of personal belongings and travel documents: Coverage for passports, visas, and other important items.

4. Accidental risks:

Accidental death and dismemberment (AD&D): A payout to you or your beneficiaries in the event of serious injury or death while travelling.

5. Other possible coverages (depending on the policy):

Travel assistance services: 24/7 helpline for emergencies, translation, or legal support.

Rental car coverage: Protection against damage to or theft of a rental vehicle.

Adventure sports coverage: Optional add-ons for activities such as skiing, scuba diving, or trekking.

Additionally, if you are seeking an affordable travel insurance provider, our team at Schengen Visa Itinerary has designed tailored packages to make the process seamless. These packages are created to meet the needs of different types of travellers and include not only travel insurance for visa applications, but also other essential documents such as hotel bookings and flight itineraries.

Important: Coverage always depends on the terms, exclusions, and limits of the policy. For example, pre-existing medical conditions, high-risk activities, or pandemics may not be included unless you purchase additional coverage.

If you require any assistance with your upcoming trip, please do not hesitate to contact the Schengen Visa Itinerary support team.