Travel Insurance Explained: What It Covers and Why You Need It

Travel insurance protects you from expensive surprises, like medical emergencies abroad or cancelled trips. Understanding the basics helps you choose the right cover.

What it usually covers

• Emergency medical care and evacuation abroad
• Trip cancellation or cutting a trip short for covered reasons
• Lost, stolen or delayed baggage
• Travel delays
• Personal liability

What to check

1. Medical cover limits, especially for countries with expensive healthcare.
2. Pre-existing conditions — declare them honestly.
3. Activities like skiing or scuba diving, which may need extra cover.
4. The excess (the amount you pay toward a claim).
5. Exclusions in the small print.

Single trip or annual?

If you travel more than two or three times a year, an annual multi-trip policy may be cheaper.

Making a claim

Keep receipts, police reports for theft, and medical documents. Contact your insurer's emergency line as soon as possible if something happens abroad.

This guide is general information. Read policy documents carefully before buying.