Travel Insurance Coverage Explained: What's Covered & What's Not

Travel insurance policies contain distinct sections covering medical emergencies, trip disruptions, and personal belongings. ### Core Policy Components 1. **Emergency Medical & Dental:** Pays for doctor fees, hospital stays, emergency surgery, and prescriptions. 2. **Medical Evacuation & Repatriation:** Covers the cost of air ambulances or transport back home if local facilities cannot treat you. 3. **Trip Cancellation & Interruption:** Reimburses non-refundable trip costs if you must cancel due to covered reasons like illness or severe weather. 4. **Baggage & Personal Effects:** Reimburses lost, stolen, or damaged luggage and essential items if bags are delayed over 12 hours. ### Standard Exclusions - Unapproved pre-existing medical conditions - Extreme sports and high-risk activities without an add-on rider - Incidents caused by alcohol or drug intoxication - Travel to countries under active war or official government do-not-travel advisories