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What Does Travel Insurance Cover

When you buy travel insurance cover for your trip abroad, it's important to know exactly what you'll be covered for. If you know the different areas of cover that are available to you, then you can travel safe in the knowledge that your costs will be covered in the event of a mishap before you travel, or whilst you are away.

Travel insurance can cover medical expenses, lost luggage, travel delay and much more. Each insurance provider imposes a limit on the amount of money they will pay out for under each section of your travel insurance policy.

You’ll usually see the sections of travel insurance cover and limits promoted quite prominently, but what do they actually mean?

Can you claim on travel insurance for cancellation and curtailment?

Yes, you can claim on travel insurance for cancellation and curtailment as long as your policy details include cancellation cover. Most policies will have cancellation cover as standard but make sure you double check before taking out a new travel insurance policy.  

Most holiday cancellations are unexpected and may come about as a result of work commitments or the death of a friend or family member. For individuals with pre-existing conditions the risk of needing to cancel is often higher, due to the increased likelihood of potential flare-ups or deterioration in their condition.

Taking out specialist cover for a pre-existing condition will offer you protection if you need to cancel your holiday before you arrive at the departure lounge, or if you need to cut your holiday short if you become unwell while you’re away, allowing you to recoup some or all of the costs.

Can you claim on travel insurance for an accident?

Yes, you can claim on travel insurance for an accident. Regardless of whether you hang out at the hotel all day or you’re an off the beaten track adventurer, when you’re in an unfamiliar country you could be more prone to a mishap. Taking out a travel insurance policy offers a little extra peace of mind should anything go wrong.

Balconies, cobbled streets, and slippery poolside tiles are just some of the potential hazards you’re likely to encounter on holiday. And, no matter how much care you take to avoid becoming hurt or injured, accidents do happen.  

Taking out travel insurance can help cover the cost of any medical treatment you may need to pay for, and any other associated expenses. If you need to make a claim following a slip, trip, or fall, be aware there may be limits on how much coverage you receive so it’s best to review your policy.

Can you claim on travel insurance for medical expenses and repatriation?

Yes, you can claim on travel insurance for medical expenses and repatriation. If you become ill abroad and need to come home, you could end up facing huge medical bills.

Depending on the type of treatment you receive, and the country you’re visiting, the costs for healthcare can vary significantly. Plus – you could also face additional costs in arranging a return transfer home following a medical emergency.

If you’re at high risk of falling ill whilst you’re away, check how high the medical coverage limit is on your policy with your travel insurance provider so that you claim for as much of the cost of medical intervention and repatriation fees as possible.

Can you claim on travel insurance for mobility aids?

Yes, you can claim on travel insurance for mobility aids. If your physical condition deteriorates while abroad, you may need to use a mobility aid to help you get around. You should be able to get access to walking sticks, frames, or wheelchairs, however they’re likely to come at a cost when you’re in a foreign country.

If you have a pre-existing condition, you could be at greater risk of needing a mobility aid, so it’s worth checking your policy in advance of travelling to ensure it provides coverage for the cost of mobility aids.

Can you claim on travel insurance for missing a connecting flight?

Yes, you can claim on travel insurance for missing a connecting flight. If you miss a connection because of a delayed flight, you’re likely to experience more than a slight inconvenience.

From paying for a new flight and waiting for hours to make the next available connection, to paying for extra meals and snacks and possible hotel accommodation at the airport, you could end up wasting a lot of money and time, as well as missing out on time at your final destination.

If you have multiple connecting flights on your journey, having travel insurance that will cover you in the event of a missed connection will give you some reassurance in knowing that you won’t be out of pocket when you get home and initiate your claim.

Can you claim on travel insurance for baggage loss?

Yes, you can claim on travel insurance for baggage loss. If you’ve checked bags and suitcases into the hold and the airline loses them, you’re left without all your carefully packed clothing and essentials at the start of your holiday as well as the major headache of trying to get them back.

And, none of it is your fault.

Most airlines will make every effort to locate your bags and deliver them to you within a few days, but until you’re reunited with your luggage, you’ll most likely have to pay extra out of your holiday budget for clothing and toiletries until your bags are returned.

Having travel insurance will allow you to make a claim to reimburse any costs you may incur as a result of losing your baggage.

Can you claim on travel insurance for theft?

Yes, you can claim on travel insurance for theft. Tourists can often be vulnerable targets for thieves and pickpockets in some countries, and discovering your purse or wallet has been taken in a bustling city centre or busy sightseeing spot can be very upsetting and costly.

Your accommodation and hire car may also be viewed as easy targets for a break in too.

There are many precautions you can take to keep your money and belongings safe, including using hotel safes and taking small amounts of cash out with you.

Should you be a victim of theft on holiday, you must make a police report, and having the right travel insurance cover will offer you some protection by enabling you to make a claim on your return home.

Can you claim on travel insurance for natural disasters?

Most travel insurance policies won’t allow you to claim for natural disasters.

Natural disasters include floods, fires, hurricanes, tornados, earthquakes, volcanic eruptions, blizzards, and avalanches, however, if a snow storm is forecast or a hurricane is named in advance, they cease to be considered natural disasters by insurance providers and become ‘known events’.

Some travel insurance policies may allow you to claim for disruptions to your holiday if your trip is cancelled, you miss a connection, or you experience a delay to your journey because of a natural event, but there are likely to be limits on the amount of coverage so it’s best to check the terms of your policy.

Can you claim on travel insurance for food poisoning?

Yes, you can claim on travel insurance for food poisoning. If you’re tucking into an all-inclusive buffet or are dining out most evenings on your holiday, you could be at a greater risk of getting food poisoning.

Food poisoning can last for several days affecting your enjoyment of your holiday, and in some cases, it can be severe enough to require an admission to hospital.

Your travel insurance policy should help to cover some if not all of the costs of any medical treatment you might need for your food poisoning, and any additional costs, depending on the value limit on your coverage.

What are the different types of travel insurance cover?

There are different types of travel insurance cover, each designed to offer key features and benefits to suit your specific needs.  

If you’re making just one trip in the next twelve months within a defined set of dates Single Trip Travel Insurance will offer you the best value for money and the right level of coverage you require. If you’re having several holidays in a year, choosing Annual Multi-Trip Travel Insurance could be the most cost-effective option, saving you time and money because you won’t need to search for individual policies, or run the risk of forgetting to arrange insurance, each time you go away.

Depending on your age, if you’re planning on travelling for up to 18 months Long Stay Travel Insurance should offer the coverage you need. Cruise Travel Insurance and Winter Sports Travel Insurance will offer features and coverage specific to the type of holiday and activities you’re likely to enjoy.

While a standard policy will cover you for all the items mentioned in our guide, a specialist policy for medical travel insurance will ensure you’re fully protected if you have pre-existing conditions.

Whether you’re looking for standard coverage or need a policy that will cover your pre-existing condition, get a quote with Medical Travel Compared in no time at all. Get all the protection you’ll need.

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How Medical Travel Compared works

We’re a specialist comparison website that provides people with pre-existing medical conditions an easy way to find suitable travel insurance. You’ll find a range of guides, articles and tips across our site. Whilst we always aim to provide the most accurate information and guidance, we can’t always guarantee that the information contained in the pages of our website is correct. Because of this, we can’t accept liability if things go wrong and you use the information at your own risk.

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