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Different Types of Travel Insurance

April 14, 2023

Different Types of Travel Insurance

Depending on the coverage needed, there are different kinds of travel insurance: trip protection, car rental or luggage protection, and medical coverage.

The health and medical insurance policy type of travel insurance provides coverage for medical and dental expenses caused by injury or illness during travel. Under this type is medical evacuation coverage, which is helpful when hospital transfer is necessary. Typically, this is bundled with medical coverage. However, it could also be purchased separately.

Another kind of medical coverage is the dismemberment and accidental death policy. This covers the duration of the vacation. Just like the usual life insurance policies, beneficiaries get a certain amount in case the policyholder dies.

With regard to medical policies, consumers need to check for issues about pre-existing medical conditions, as well as age limitations. Many policies have increased rates for senior citizens.

The second type of travel insurance is trip protection. Under this are cancellation coverage, delay coverage, and trip interruption protection. With cancellation coverage, your prepaid expenses would be reimbursed if ever your trip were cancelled due to illness or death of a family member. Delay coverage, on the other hand, takes care of transport delays. If flights are cancelled due to bad weather, delay coverage will shoulder your prepaid hotel expenses. Last but not least under trip protection, an interruption protection provides coverage for travel company bankruptcy, airline strike, jury duty, or whatever reason that cuts your trip short.

As for the third type of travel insurance, luggage and car rental protection provides coverage for rental car accidents and missing/stolen baggage. If you want to purchase any of these policies, be sure to choose the ones that provide travel assistance aside from the monetary coverage.

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