Travel Insurance: What Does It Cover?

Besides the excitement, fresh experiences and great photos, vacations can also come with risks. No matter whether you choose to spend your rest in Europe or Africa. A tourist could slip and get injured, overdo it with sun exposure, or even have their vacation ruined from the start, such as when the flight is delayed or cancelled. To manage effectively, there are various situations requiring having travel insurance, or as tourists often call it, medical insurance, when planning a trip. Let’s briefly present what it is and the cases in which compensation is provided.

 

First, let’s get a clear understanding from the very beginning: Although often called medical insurance, travel insurance is not the same as health insurance. This means you can't just visit a doctor abroad for a check-up, for instance, unless there's a valid medical reason for it.

 

Travel insurance covers compensation for emergency or urgent medical care. This means it will help with medical expenses if a doctor prescribes treatment or if you require urgent assistance during your trip. However, it doesn’t cover routine check-ups or non-urgent visits.

 

Travel insurance plans can differ significantly. For instance, Nairi Insurance’s “Travel Insurance Cover for International Travellers” offers various pricing packages that include coverage for injuries sustained during extreme sports or activities. Imagine skiing in the Alps and injuring your leg—without insurance, the medical costs in Swiss or French hospitals could be astronomical. With the right coverage, however, you’d be shielded from those steep medical expenses, ensuring you can focus on recovery without the financial burden.

 

By choosing the right insurance package, you will be protected not only physically, but also with coverage for luggage. The whole trip could be perfect but everything could be ruined in the end if you arrive home only to find out that your luggage is missing or damaged.

 

When purchasing travel insurance,  it’s important to ask your agent detailed questions about what is covered and the amount of compensation you can expect. If you're purchasing insurance online, make sure to carefully review the terms and conditions beforehand to avoid any surprises later on.

Don’t forget to clarify how and where to report an incident, and what information you'll need to provide. It’s also important to inform anyone traveling with you about these details, so everyone is prepared in case something unexpected happens.