: Reimburses non-refundable costs if you must cancel or cut a trip short due to covered reasons like illness.
: Documentation is the most common reason for claim denial. Save all itemized bills, booking invoices, and credit card statements. TRAVEL INSURANCE
: Covers emergency treatment, hospital stays, and sometimes medical evacuation or repatriation. : Reimburses non-refundable costs if you must cancel
: Covers loss, theft, or damage to personal items and luggage. : Covers emergency treatment, hospital stays, and sometimes
Travel insurance acts as a financial safety net for your trip, covering unexpected costs from medical emergencies to lost luggage. To ensure your "piece" of protection is effective, you must understand both the coverage and the rigorous documentation required for claims.
: Before claiming, contact your airline or hotel for a refund. Insurers often only cover "unrecoverable" costs and may ask for evidence of these attempts.
: For thefts, get a police report within 24 hours. For medical issues, obtain a signed medical certificate from the treating physician.