Travel Insurance

1. Coverage Inclusions

The policy typically covers:

Trip Cancellation – reimbursement of prepaid expenses if the trip is canceled due to illness, injury, death of traveler or immediate family, natural disaster, or other covered reasons.
Trip Interruption – reimbursement for unused trip portions or additional costs to return home early due to covered reasons.
Medical Expenses – coverage for emergency medical and hospital expenses incurred during travel.
Emergency Evacuation & Repatriation – cost of transportation to the nearest adequate medical facility or return to home country in case of severe illness or accident.
Baggage Loss/Delay – compensation for lost, stolen, or delayed baggage and personal belongings.
Travel Delay – reimbursement for reasonable expenses (meals, lodging, transport) due to flight or travel delays.
Accidental Death & Disability – benefit payable in case of accidental death or permanent disability during the trip.

This policy does not cover:

Pre-existing medical conditions (unless specified).
Participation in extreme sports or hazardous activities (unless covered by add-on).
Losses due to intoxication, illegal activities, or negligence.
Civil commotion, war, or acts of terrorism (unless explicitly included).
Non-documented expenses or losses without proof.

Coverage begins from the date of departure and ends upon return to the point of origin.
Optional pre-trip coverage (for cancellations) starts from the day insurance is purchased.

Notify the agency or insurance provider immediately in case of incident.
Provide supporting documents (medical reports, police reports, receipts, airline confirmations, etc.).
Claims must be filed within [X days] of the incident or return from the trip.

The premium is calculated based on destination, duration, traveler’s age, and selected coverage.
Insurance must be purchased at the time of booking or no later than [X days] before departure.

24/7 helpline is available for:

This policy is governed by the insurance regulations of [Country/Region].