Travel insurance

In practiceYou get sick or hurt on a trip abroad, and emergency medical covers treatment and even a medical flight home.

Not coveredA flare-up of a pre-existing condition may be excluded unless it is stable and declared.

In practiceA covered reason like a family emergency forces you to cancel or cut a trip short, and this recovers non-refundable costs.

Not coveredCancellation only pays for the specific covered reasons listed, not any change of plans.

In practiceYour bag is lost or delayed by the airline, and baggage coverage helps replace essentials.

In practiceYou choose a single-trip plan for one vacation or an annual plan if you travel often, whichever fits.