International Travel Insurance Basics

What is international travel insurance?

Travel insurance is a medical and financial safeguard, usually bought prior to travelling, that protects travellers from unexpected emergencies that may occur during their trips. Travel insurance can be bought to cover trips lasting a few days to a couple years and can be limited by activities and locations. International travel insurance includes packages and plans that cover travel world wide.

What does travel insurance cover?

The coverage provided by travel insurance will depend on the plan or package bought; however, some risks that are often covered by travel insurance include:

  • Trip cancellation and trip interruption (missed connection due to airline schedule, travel delays caused by weather, etc.)

  • Lost, stolen or damaged baggage, personal effects or travel documents and delayed baggage (and emergency replacement of essential items)

  • Medical emergencies caused by accident or illness, often including emergency evacuation

  • Return of a minor

  • Overseas funeral expenses and repatriation in case of death

  • Benefit for accidental death, injury, or disablement

Additional coverage can usually be added to enhance benefits for already covered risks as well as to protect travelers with pre-existing conditions or who want to participate in activities with an element of danger (diving, water-skiing, trekking, etc.).

Key facts about buying international travel insurance:

  • Insurance should cover all planned activities for the duration of the trip. So, be sure to double check that your skiing or ski-diving will be covered by the plan you buy.

  • For most companies, insurance must be purchased prior to travel. (Gatinsure allows travellers to purchase insurance after starting their trips.)

  • Also, many travel insurance providers require customers to be members of their national health insurance program. (Gatinsure provides travel insurance policies without this requirement.)

  • Most companies also require that the insurance be purchased in the traveller’s home country. (Gatinsure allows travellers to purchase insurance from anywhere in the world.)

For more information about buying travel insurance and to get a travel insurance quote, please visit our homepage, Guardian Angel Travel Insurance.


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