Travel insurance

Travel insurance covers specified financial losses and emergencies associated with a trip, including cancellation, medical care, baggage loss, and delays. Coverage depends on the policy’s terms, limits, and exclusions.

Travel insurance policy: A contract defining travel insurance coverage, limits, conditions, and exclusions. Its wording sets the boundaries of every benefit.
Travel delay: A postponement of planned transportation or travel arrangements beyond the expected schedule. Policies may reimburse meals, lodging, or other eligible costs after a qualifying delay.
Travel protection plan: A package of travel-related benefits that may combine insurance with non-insurance assistance services. The label can include services that are not insurance coverage.
Insurance claim: A formal request asking an insurer to pay a benefit under an insurance policy. Travel losses generally require documentation and a claim decision before reimbursement.
Trip cancellation insurance: Coverage that reimburses prepaid trip costs when a covered event forces cancellation before departure. It addresses one of the most common reasons travelers buy protection.
Lost luggage: Checked baggage that an airline or other carrier cannot return to its owner. Baggage benefits can compensate for covered loss, subject to limits and proof.
Credit card travel insurance: Travel-related coverage provided as a benefit of an eligible credit card. Card benefits may overlap with standalone policies but often have different limits and conditions.
Pre-existing condition: A medical condition that existed before a specified insurance coverage date. It can limit medical coverage unless policy conditions or a waiver apply.
Emergency medical evacuation: Arranged transportation to suitable medical care when a traveler faces a serious illness or injury. Evacuation costs can exceed routine medical bills by a wide margin.
Missed connection: Failure to board a later leg of a journey because an earlier leg arrived late or was disrupted. Some policies cover added transport or lodging when a covered delay causes the missed connection.

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