Travel insurance can include many types of certain coverage, but most fall under five main categories:


Travel cancellation or interrupt insurance. Travel cancellation is when something happens that prevents you from traveling a planned previously, such as unexpected medical problems. Travel disturbances are when you separate through your trip and something happens that cut it short, such as medical emergency family members at home or worker strikes at the airport. In general, you will be replaced only for travel portions that you don't complete. The threat of terrorism is included in this umbrella, but some plans only pay if you are scheduled to arrive in a set of days before the incident occurred.

Health Insurance. Before buying medical travel coverage, check with your regular health insurance company to see what you have on the coverage when traveling. Many insurance companies A.S. Continue to cover you abroad. Medicare does not provide travel coverage. Even if your regular health insurance company provides key coverage, you might want to buy additional (secondary) coverage to cover unusual reduction and costs, your regular insurance company does not cover. Emergency medical coverage can be purchased as primary or secondary coverage with the benefit limits per person from $ 15,000 to $ 250,000 or more. Note that the US State Department routinely issued warnings about traveling to certain high-risk countries. If you are traveling to these areas, your travel insurance will not be respected, unless you buy additional coverage.

Evacuation insurance. These policies include the cost of moving you to the location where you can get the necessary and appropriate care if a medical emergency occurs. Evacuation costs are generally not covered by your home-based health insurance. Non-medical evacuation coverage regulates transportation from a place of danger to a safer location during a period of civil or political riots.

Luggage and personal items are lost. This coverage provides replacement for luggage that is lost, stolen, or damaged and other personal items. This is usually offered for your entire trip, not just flight related activities. If you carry goods worth more than $ 1,000, such as a laptop or camera, it is best to register it on a schedule as part of your home owner or business policy.

Life insurance. There are three main types of life insurance travel:
  • Unintentional death. Only a few companies offer this blanket coverage for the entire trip.
  • Air flight accident. It only covers the flight part of your travel.
  • General operator. This coverage pays if there is death or cutting when you travel with all forms of public transportation.