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The major components of any travel insurance policy are:
- Trip cancellation
- Trip interruption
- Medical costs
- Medical evacuation
- Lost baggage
- Theft of personal items
You may have travel insurance as a perk of your credit card but the coverage amounts might be smaller or have terms and conditions attached that render it worthless.
Do I need medical insurance if I'm covered at home?
Usually a domestic health care insurance will not cover travel abroad. You may be entering countries during your trip that have a technical requirement of medical insurance though the cases when people have been asked to prove this is rare. Should you fall ill during your trip you will need to pay for any treatment you receive.
Under what circumstances can I cancel my trip and still be reimbursed?
Basic trip cancellation insurance will cover you for a limited number of reasons such as illness, a death in the family, a change in your work circumstances or a natural disaster disrupting flights. For any policy you are considering, check what exactly is covered. If you opt for 'cancel for any reason' insurance, this will increase the cost of a policy significantly and usually needs to be bought within a limited timeframe after your deposit is paid, typically within two weeks.
We have partnered with Squaremouth.com, a leading travel insurance price comparison site. Simply enter your details and the details of your trip and you will receive a selection of quotes from leading travel insurers.