Why You Need International Travel Insurance

let’s talk about international travel insurance, Before going on a trip abroad, don’t forget to buy travel insurance, which many people tend to forget. Travel insurance, also known as trip insurance or travel protection, can help you avoid unexpected costs. It covers trip cancellations and high medical bills you might not be able to pay. It’s a crucial part of trip planning.

What Is International Travel Insurance 

International Travel Insurance

Travel insurance is a financial safety net designed to provide coverage for a variety of unexpected events that can occur while you’re traveling. 

These events might include medical emergencies, trip cancellations, lost or stolen belongings, and travel delays. In essence, it’s like a protective shield that helps mitigate the financial impact of unforeseen situations.

The primary purpose of travel insurance is to safeguard you against costs arising from unforeseen circumstances that happen after you’ve purchased the insurance policy. 

For instance, if you fall ill while traveling and need medical attention, your travel insurance can help cover the medical expenses. Similarly, if your trip gets canceled due to reasons beyond your control, travel insurance can reimburse you for non-refundable expenses.

It’s important to note that travel insurance typically doesn’t provide coverage for pre-existing medical conditions such as diabetes or pregnancy. This means that if you have a condition that existed before you bought the insurance, related medical expenses might not be covered.

Equally significant is the timing of purchasing travel insurance. If you buy travel insurance after an incident has already taken place, the insurance company is unlikely to provide coverage for that specific incident. 

The insurance is designed to protect against future uncertainties, not events that have already occurred.

It’s worth distinguishing between travel insurance and international health insurance. While both involve protecting your well-being abroad, international health insurance is tailored for expatriates and students who are living in a foreign country for an extended period. 

Travel insurance, on the other hand, is designed for people who are temporarily traveling and need coverage for specific trips.

For those embracing the digital nomad lifestyle, understanding this distinction is essential. Digital nomads, who often move from place to place while working remotely, should prioritize obtaining a medical health insurance plan that caters to their extended stay in different countries. This offers comprehensive coverage that aligns with their unique needs.

Travel insurance is a vital tool for mitigating the financial risks associated with unexpected events during travel. By being aware of its limitations, timing considerations, and the differences between travel insurance and international health insurance, individuals can make informed decisions to ensure a secure and worry-free travel experience.

What Does Travel Insurance Cover?

Travel insurance plans typically offer coverage for various situations, although specifics can vary among companies and plans:

  • Medical Treatment: If you fall ill or have an accident during your trip, the insurance covers expenses like doctor visits, emergency care, hospital stays, surgeries, medications, and more.
  • Trip Cancellation, Interruption, or Curtailment: If your trip is cut short or canceled, the insurance reimburses for lost travel and accommodation costs. The reasons for reimbursement vary based on the policy. You can also add a “Cancel For Any Reason” option.
  • Repatriation of Remains: In case of death, the insurance covers repatriation of remains and may include overseas funeral expenses.
  • Lost, Stolen, or Damaged Possessions: Coverage is available, except in cases of recklessness.
  • Missed Flight: If you miss a flight due to factors beyond your control (e.g., airline delays), the insurance can cover related expenses.
  • Return of a Minor: If a child or minor is traveling with you and you’re unable to care for them due to an emergency, the insurance can arrange their return.
  • Hijacking: Some plans provide coverage in case of hijacking incidents.

Keep in mind that coverage specifics can vary between insurers and policies. It’s essential to carefully review the terms and conditions of the travel insurance you’re considering to ensure you understand what’s covered and what isn’t.

Additional travel insurance coverage

There are some travel insurance plans which will cover things that are outside of the “standard” coverage, but you will have to pay additionally. This can include:

  • AD&D (accidental death and dismemberment)
  • Acute onset of pre-existing conditions
  • Dental coverage
  • Rental car coverage
  • Dangerous sports medical coverage
  • Natural disaster coverage
  • Terrorism coverage
  • Cancel for any reason travel insurance

What is Not Included in Travel Health Insurance?

International Travel Insurance

Most travel insurance providers typically exclude coverage for the following situations:

1. Pre-existing Conditions

Expenses related to pre-existing medical conditions like diabetes usually aren’t covered. Some may cover sudden episodes of such conditions.

2. Pregnancy Expenses

Costs tied to pregnancy, such as childbirth, check-ups, or morning sickness, are generally not covered. A few plans might offer coverage for pregnancy complications.

3. Medical Treatment due to Drug or Alcohol Use

Medical costs arising from drug or alcohol consumption are typically not covered.

4. Medical Treatment from Reckless Behavior or Dangerous Sports

Expenses due to risky behavior or participation in dangerous sports are usually not covered.

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5. Cancellation During Ongoing Events

Situations like extreme weather events aren’t usually covered for trip cancellation.

6. Traveling Against Government Advice

If you travel to a location against your government’s advice, coverage might be limited.

Understanding these exclusions is crucial when choosing a travel insurance plan. Always review policy details to grasp what’s included and excluded before making a decision

How to Get Insurance for International Travel?

Obtaining travel insurance is conveniently done online or through brokers, acting as intermediaries with reputable companies. Brokers provide tailored plans, sparing you the hassle of searching for insurers independently.

When selecting a travel insurance plan, thorough comparison is vital to comprehend your investment. Follow these steps when buying insurance for international travel:

1. Determine your required coverage.

2. Conduct online research.

3. Confirm coverage for your destination.

4. Scrutinize policy details meticulously.

5. Secure your travel insurance early to ensure protection.

Frequently Asked Questions 

Is travel insurance bought online?

Yes, you can buy travel insurance online or through brokers who work with reputable companies, offering customized plans for convenience.

How to choose travel insurance?

Research online, ensure coverage for your destination, compare policies, read fine print, and buy early for effective protection.


Securing travel insurance through online platforms or brokers simplifies the process. Thoroughly comparing policies, understanding coverage, and early purchase ensure a well-informed and protected international journey.

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