Travel insurance
Travel insurance provides coverage for unexpected events that may occur before or during a trip. It typically includes various types of coverage such as:
1. *Trip Cancellation or Interruption*: Reimbursement for non-refundable trip expenses if the trip is canceled or interrupted due to covered reasons such as illness, injury, death, or other unforeseen circumstances.
2. *Emergency Medical and Dental Coverage*: Coverage for medical expenses incurred due to illness or injury while traveling, including hospital stays, doctor visits, and emergency medical evacuation if necessary. Some policies also cover dental emergencies.
3. *Baggage and Personal Belongings Coverage*: Reimbursement for lost, stolen, or damaged baggage and personal belongings during the trip, including luggage, clothing, electronics, and other valuables.
4. *Travel Delay or Missed Connection*: Reimbursement for additional expenses incurred due to travel delays, missed connections, or trip interruptions caused by covered reasons such as severe weather, natural disasters, or airline strikes.
5. *Emergency Assistance Services*: Access to 24/7 emergency assistance services such as medical referrals, travel assistance, and concierge services to help travelers navigate unexpected situations while traveling.
6. *Accidental Death and Dismemberment (AD&D)*: Coverage for accidental death or permanent disability resulting from a covered travel accident.
Travel insurance policies may vary in terms of coverage limits, exclusions, and optional add-ons, so it’s essential for travelers to carefully review the policy details and select a plan that best suits their needs and travel plans. Travel insurance can provide peace of mind and financial protection against unforeseen events that could disrupt or impact a trip.