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What Does Travel Insurance Cover In 2020

Whenever you are planning a trip, there is so many things you have to prepare for. What items to bring, how much money you’ll need, or even what things to buy. However one thing that many people seem to forget about is “Travel Insurance”.

After all, who wants to think about all the negative things that can happen during a trip. Not only that, but it is complicated and not many people even knows what it does.

However travel insurance is actually a really important thing to know about.

If you have travel insurance and something unexpected happened to you, then you will be able to have the piece of mind knowing that you’ll be protected.

Now although none of us wants to imagine having anything bad happen to us during the trip, it’s true that sometimes bad things will happen. Things like injuries or getting robbed although rare may happen from time to time.

So it is always better to be safe than sorry.

You can actually save a lot of money if you have travel insurance. For example, if you were to get injured in another country than the cost of the hospital bills might be really expensive. However if you have travel insurance, than it can help cut down the costs by a lot.

Although depending on where you travel to, you may not actually need travel insurance. However for the majority of the time if you are going to travel some place far and new, then having travel insurance might be a good thing.

With so many different companies that offer travel insurance each with their own types of coverage. It is important to do some research and find out exactly what they are covering.

However all this research can be overwhelming or confusing as there is simply a lot of information for you to find out.

Fortunately enough, we made it simple for you.

In this post, we’ll go over exactly what travel insurance is and what it does. You’ll learn everything you need to know about travel insurance and what to look for.

What Is Travel Insurance

Travel insurance is basically a plan you can purchase in which it will be able to protect you from certain financial risks and losses that you might occur during traveling. These losses can range from a wide array of things, such as minor incidents like a lost baggage, to significant incidents like a medical emergency in another country.

Not only that, but travel insurance can also offer access to assistance services wherever you are in the world. Depending on the company, some may arrange medical treatment in an emergency, serve as interpreters, help you replace lost passports, and much much more.

Some things you should know about travel insurance:

  • Different plans have different benefits. It is important to choose a plan that will fit all of your needs, budget, and also travel plans.
  • Travel insurance does not cover every possible situation.
  • Travel insurance is designed to help cover events that are unforeseeable in your future.

What Does Travel Insurance Cover?

Medical Emergencies

This is one of the most common reasons as to why people buy travel insurance. To help with any medical emergencies that might occur. Now although accidents or illnesses are pretty rare, they can happen to you.

Here are some of the stuff that insurance companies will cover for during a medical emergency:

  • Your hospitalization costs
  • treatment costs
  • surgery costs
  • medicine costs related to your injury
  • medical evacuation
  • visits to registered medical doctors relating to your injury

Emergency Evacuation

Medical evacuations are a pretty expensive thing to happen. Especially during times of emergencies when caused by an accident or natural disaster, these things can go well over $100,000, That’s why having travel insurance is so beneficial. Most of these plans will usually tend to evacuate you to a local hospital in case of injury or somewhere else if there is a natural disaster. Depending on the situation, some plans may even bring you back to your home country, although this is usually rare.

Death Overseas

This is probably the worst outcome of any on this list. Now thinking about it is never pleasant, however if you are covered then it will give you and your family a peace of mind knowing you are protected.

In case the worst should happen, most insurance plans will cover the cost of a family member coming to get your body back to your home country. Depending on the company, some policies will even include cremation services or burial overseas if that is preferred.

Remember, this insurance only covers death in case of an accident. Things like suicide, death from drinking alcohol, drugs, or other things caused by the person is not going to be covered.

Dental Emergencies

Just like any other type of medical emergency, this is only covered during accidental injury and sudden pain.

Regular checkups are usually not covered, nor are any major dental work that is not related to some type of injury or accident.

Flight Delays and Cancellations

If your flight gets delayed or canceled, then you will be able to apply for compensations from your travel insurance provider. That is assuming your airline doesn’t provide any coverage for you.

Basically, as long as the cancellation or delay is not your fault, then you are able to apply for reimbursement.

Trip Cancellation

If you need to cancel your trip either during or before it starts, you need to make sure it’s for one of the following reasons. Either you have a verified medical reasoning, death of a family member, or the death of your travel partner, then you will be able to apply for reimbursement from the insurance company.

Be sure to have proof for whatever sickness you have or deaths in the family as you’ll have to submit it for verification.

Lost or Stolen or Damaged Property

If you are out traveling about and your items get stolen, then most travel insurance companies will be able to reimburse you for either some or all of the items. Depending on the plan, there might be limits on how much you can get back for gear equipment’s like laptops or cameras unless you have a really good comprehensive plan with additional coverage.

The good thing about this coverage is that it not only covers lost or stolen or damaged items, but it will also cover delayed baggage or baggage damaged in transit as well.

Travel insurance can also provides coverage for:

  • Life Insurance coverage for accidental death or dismemberment.
  • Rental Car Collision replaces your personal insurance or the rental company policy.
  • Identity Theft provides services to help in the event of identity theft while traveling.

What It Does Not Cover

Now travel insurance does cover a wide array of things. There are still some things that it doesn’t cover.

Here are a list of some things that travel insurance will not cover:

Leaving Your Belongings Unattended

Most travel insurance policies will cover you for loss or theft or damage to your items and valuables. However it doesn’t cover you if you decide to leave the items unattended or in an unsafe location.

Unapproved Medical Condition

If you have some pre-existing medical condition then you need to tell your insurance provider. Any unapproved medical conditions can automatically void any claims you make. In most cases, you may also not be covered if you travel against the advice of medical professionals.


If you are going to be doing any reckless activities that are deemed dangerous, such as excessive drinking, taking drugs, etc… it can lead to a rejection from any insurance claims.

High Risk Sports and Activities

Travel insurance will probably not cover you if you make a claim on an injury resulting from a sport or activity that is deemed dangerous. Things like hang gliding, bungee jumping all fall into this category.

Not Listening To The Government

If your countries government has made a warning against traveling to a certain country, and you decide to travel to that country anyways. Then your travel insurance provider will not cover you for anything that might happen to you in that destination.

Stolen Cash

If your cash gets stolen in another country, your travel insurance will probably not cover you.

Missed Flights Under Your control

If it is your fault that you missed a flight then you are most likely not going to be reimbursed. If it was the airlines fault, then that is a different story.

The Travel Insurance I Use

There are many companies you can choose from to get travel insurance. One of my favorites however is World Nomads. This company was founded by a former nomad so he knows what it is like to be a traveler. They are my go to company for getting travel insurance and they do a pretty darn good job.

By choosing World Nomads, you are able to buy your policy or renew it in a short amount of minutes. They also have some of the nicest staff I ever seen who are able to help you with any questions you may have.

Not only that but they are also really affordable as their price is pretty fair compared to the other travel insurance companies. If you had to pick one company to buy travels insurance with, then I highly suggest this company.

You can use the simple widget form below to get a quote.

If you are still wondering if travel insurance is worth it, I suggest you read my post about it here.


Nowadays, whenever I travel to a country far away, I always make sure to get travel insurance. After all, it gives me a piece of mind knowing that i’ll be safe and protected from anything that might happen.

Now although there are tons of different travel insurance companies out there, many of them offer similar plans to each other. It is your job to do research and find out exactly what plan fits your needs and budget.

Sure, it is something extra you will have to spend on, but if something were to go wrong, you will save hundreds if not thousands of dollars and also have that peace of mind knowing that you are covered.

Also if you are interested in reading some of my other posts about traveling, you can do so by clicking these links:

Or you can check out all my blog posts by click this link.

So happy travelings everybody, and hope you consider getting travel insurance.

Disclosure: Please note that some of the links above may be affiliate links, and are at no additional cost to you, I earn a commission if you make a purchase. I only recommend products and companies that I have personally used and all the income that I generate from this will be used to help maintain the site and make it a much better place.

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