The intent of travel insurance is to provide financial protection against large unexpected financial losses due to listed unforeseen events that occur while you are traveling. Unforeseen events are those situations that result from sudden, unpredicted, and unknown conditions.
This also means the event must be listed as a covered reason, or you won’t have a valid claim. As such, travel insurance plans usually provide a good-sized list of unforeseen events in each description of coverage.
Travel insurance covers you, and those insured with your policy, for unforeseen events such as:
Just remember, if the unforeseen event that causes you to make a travel insurance claim is not listed in the policy certificate, then you won’t have coverage. For example, if you purchase a plan that includes ‘cancel for work reasons’ coverage but you cancel your trip because you’re broke, you won’t have coverage for that trip cancellation.
See the complete list of what travel insurance does not cover.
To understand what each travel insurance plan does and does not cover by benefit, take a look at the complete Travel Insurance Coverage Guide.
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.