- Medical expenses
- Hospitalization
- Assistance
- Medical transportation
- Civil liability
- Individual accident
- Legal assistance
- Baggage insurance
- Trip cancelation

Some travel policies will also provide cover for additional costs, although these vary widely between providers
Pre-existing conditions (e.g. asthma, diabetes)
Sports with an element of risk (e.g. skiing, mountain climbing, scuba diving)
Travel to high risk countries (e.g. due to war, natural disasters or acts of terrorism)
Additional AD&D coverage
Rental Car Coverage
Cancel for Any Reason Coverage
3rd party supplier insolvency (e.g. the hotel or airline to which you made non-refundable pre-payments has gone into administration)
Acute onset of pre-existing conditions
Specific event coverage, (e.g., to cover travel cancellation costs if the reason the person is travelling, such as a concert, is cancelled. )

Tour Operator Cancellation: When it comes to trip cancellation, tour operators cancelling is not covered under travel insurance policies. In this case, it is the tour operator and not you who cancels the trip.

Acts of war/local protests: Although terrorism is covered by most travel insurance policies, acts of war or civil unrest are common policy exclusions. So even if ongoing protests or sporadic outbreaks in international locations might force you to change your plans, most travel insurance policies won't help.

Pre-existing medical conditions: This is a common exclusion in many travel insurance policies. It refers to any medical condition that has required attention prior to travel or initiation of the travel insurance policy.

Baggage delayed for less than 24 hours: Most travel insurance policies will not reimburse necessary expenditures for baggage delayed less than 24 hours.

Death or illness of a pet: Many of us have beloved animals in our homes, and you'd certainly not want to go on that family trip if your pet was terribly sick. Even service animals, such as seeing-eye dogs, aren't covered, although that may change as the industry wakes up to the need for such coverage.

Loss or damage to keys, money, documents, tickets, or credit cards: These items are commonly listed under the exclusions to Baggage and Personal Items Coverage in your travel insurance policy. Be sure to keep these and other valuables with you at all times.

Sports injuries: Many travel insurance policies don't cover injuries from certain adventure sports like bungee jumping, paragliding, mountain climbing, or white water rafting.

Pregnancy and childbirth: Travel insurance policies specify the conditions under which pregnancy complications or childbirth is covered. Some travel insurance policies insure in the first trimester of pregnancy.

Psychological illness or self-inflicted injuries: Coverage for emotional and mental illnesses or emergencies is often excluded. If you suffer a nervous breakdown, your travel insurance won't let you cancel your trip without penalty.

It is based on Duration of Trip.

The minimum and maximum sum insured may vary widely between providers.

Individual travel insurance is designed to provide coverage and protection for travellers against various unforeseen circumstances during their journeys. Here are some special notes to consider when purchasing and using individual travel insurance:

1. Coverage Variability: Travel insurance policies can vary widely in terms of coverage, benefits, and exclusions. It's crucial to carefully review the policy details, including coverage limits and exclusions, to ensure it meets your specific travel needs.

2. Trip Duration: Check whether the policy covers the entire duration of your trip, including any extended stays. Some policies might have limitations on the maximum trip duration they cover.

3. Pre-existing Conditions: Most travel insurance policies have exclusions for pre-existing medical conditions. If you have any medical conditions, make sure to understand how they're treated under the policy and consider purchasing a policy with pre-existing condition coverage if needed.

4. Adventure Activities: If you plan to engage in adventurous or high-risk activities like skydiving or scuba diving, check whether these activities are covered by the policy. Some policies may require additional coverage for such activities.

5. Cancellation and Delay: Look into coverage for trip cancellations or delays due to unforeseen events such as illness, natural disasters, or airline strikes. This coverage can help you recover non-refundable expenses.

6. Emergency Medical Expenses: Medical emergencies can be costly, especially in foreign countries. Ensure the policy covers emergency medical expenses, hospitalization, and medical evacuation if needed.

7. Lost or Delayed Baggage: Check if the policy provides coverage for lost, stolen, or delayed baggage. This coverage can help reimburse you for essential items and clothing if your luggage is lost or delayed.

8. Personal Liability: Some policies include personal liability coverage, which can be important if you're held legally responsible for causing injury or damage to others while traveling.

9. Travel Interruption: This coverage can reimburse you for additional expenses if your trip is interrupted due to covered events, such as a family emergency.

10. Document Retention: Keep a copy of your travel insurance policy and emergency contact numbers handy while traveling. This will help you quickly access information in case of emergencies.

11. Timely Notification: If an incident occurs that might result in a claim, notify the insurance provider as soon as possible and follow their instructions for documentation and claim filing.

12. Country-Specific Requirements: Some countries or regions may have specific insurance requirements for entry. Make sure your travel insurance meets these requirements if applicable.

13. Exclusions: Be aware of the policy's exclusions, which are situations or circumstances that are not covered. Common exclusions include self-inflicted injuries, participation in illegal activities, and more.

14. Extension Options: If your trip duration changes, explore the possibility of extending your coverage. Some policies allow you to extend coverage while you're already traveling.

15. Refund Policies: Understand the policy's refund policy and any applicable cancellation fees if you decide to cancel the insurance before your trip begins.

Travel insurance offers valuable peace of mind while exploring the world. By understanding the policy's terms, asking questions, and tailoring the coverage to your needs, you can ensure a smooth and well-protected travel experience.

The claim process for a Travel Insurance policy involves notifying the insurance company of any covered events or incidents during your trip and submitting the necessary documentation to initiate a claim. Below is a general guide along with a checklist:

Travel Insurance Policy Claim Process:

• Contact the Insurance Company: Report the incident or event that requires a claim to the travel insurance company as soon as possible. Follow the specified notification process outlined in your policy document. This could involve contacting a helpline or using an online claims portal.
• Obtain Claim Form: Request a claim form from the insurance company. Many insurers provide claim forms on their websites or through their customer service.
• Complete Claim Form: Fill out the claim form accurately and completely. Include all necessary details about the incident, your travel itinerary, and other relevant information.
• Gather Supporting Documents:
  
  Collect all required supporting documents. The specific documents may vary, but common requirements include:
  
  Police report (for theft or criminal incidents).
  
  Medical reports and bills (for medical emergencies).
  
  Flight or travel itinerary details.
  
  Receipts for any additional expenses incurred.
  
  Proof of travel insurance purchase.
  
  Any other documents specified in the policy.
• Submit Documentation: Submit the completed claim form along with the supporting documents to the insurance company. Ensure that all documents are legible and valid.
• Claim Evaluation: The insurance company will evaluate the claim based on the provided documents and the terms of the policy.
• Claim Decision: The insurer will communicate the decision regarding the claim. If approved, details about the payout or reimbursement will be provided.

Travel Insurance Policy Claim Checklist:

• Completed Claim Form: Fill out the claim form with accurate and detailed information.
• Proof of Identity: Copies of your identification documents.
• Police Report (if applicable): Include a copy of the police report if the incident involves theft or criminal activities.
• Medical Reports and Bills: Provide medical reports and bills for any medical emergencies.
• Travel Itinerary Details: Include copies of your flight or travel itinerary.
• Receipts for Additional Expenses: Provide receipts for any additional expenses incurred due to covered events.
• Proof of Travel Insurance Purchase: Include documentation proving the purchase of the travel insurance policy.
• Communication Records: Keep records of all communication with the insurance company regarding the claim.

Always refer to your specific Travel Insurance policy documentation for the exact requirements and procedures related to claims. Following the instructions accurately and providing the necessary documentation promptly will help facilitate a smooth and successful claim process for your Travel Insurance policy.