What does travel insurance cover? Here's what's included.
Summary
Travel insurance may reimburse certain costs from trip cancellations, interruptions, delays, baggage problems, or emergency medical care and evacuation. Coverage, limits, exclusions, and costs vary by policy, so travelers should check what events and people are covered and whether add-ons are needed.Key Facts
- Trip cancellation coverage may reimburse eligible expenses when illness, a family death, jury duty, or other covered events prevent travel.
- Some policies cover trip delays and interruptions, including eligible hotel costs during a delay.
- The U.S. Travel Insurance Association reported that trip cancellation and interruption coverage made up almost 95% of travel insurance expenditures in 2024.
- Cancel For Any Reason coverage is typically an optional add-on and may provide broader cancellation protection.
- Travel medical insurance may cover emergency care and medical evacuation, but travelers should check limits, pre-existing condition rules, deductibles, and exclusions.
- Policies may reimburse travelers for baggage that is lost, stolen, or damaged, subject to time requirements and payment limits.
- Some insurers offer specialized or add-on coverage for activities such as extreme sports and for rental cars.
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