Travel Insurance

Travel Insurance Service

Travel plans can be affected by illness, delays, lost baggage or unexpected events at home. Insurance is one way travelers manage those risks before departure.

Our team can help you understand the types of cover generally available and what to review in a policy before you purchase it.

• Guidance on available protection options.
• Help understanding what a plan covers.
• Assistance for individual and family travel.
• Options for single trips and multiple journeys.
• Support for domestic and international itineraries.
• Guidance on cover for group travel.

Coverage Options

Available benefits vary by provider, plan and destination. The categories below are the ones travelers most often consider.

• Trip Cancellation: Cover for prepaid, non-refundable costs when a trip is cancelled for a covered reason.
• Trip Interruption: Cover for costs when a journey is cut short after departure.
• Emergency Medical: Treatment costs for illness or injury while travelling.
• Medical Evacuation: Transport to a suitable medical facility or return home where required.
• Baggage Protection: Cover for lost, damaged or delayed baggage.
• Travel Delay: Reimbursement of additional expenses caused by a covered delay.

Choosing a Plan

The right plan depends on your itinerary, the value of your prepaid arrangements and the activities you have planned.

• Destination: Check whether your destination requires proof of insurance for entry.
• Trip length: Confirm the plan covers your full period of travel.
• Trip cost: Consider the total prepaid, non-refundable amount you would want covered.
• Travelers: Confirm ages, as benefits and pricing can depend on them.
• Activities: Check whether planned activities such as skiing or diving are covered.
• Existing cover: Review any cover you already hold through a card or employer.

Terms & Exclusions

Every policy has conditions, limits and exclusions. Reading them before purchase is the only way to know what a plan will and will not cover.

• Pre-existing medical conditions may be excluded or require a waiver.
• Benefit limits and deductibles apply to each category of cover.
• Some plans must be purchased within a set time of your first booking.
• Certain activities, regions or events may be excluded.
• Cancellation must usually be for a reason listed in the policy.

Claims & Assistance

Claims are handled by the insurance provider. Keeping your policy number, receipts and any official reports makes the process considerably easier.

Many providers also operate a 24-hour assistance line for emergencies while you are travelling.

• Keep your policy documents accessible while travelling.
• Report incidents promptly as required by the policy.
• Retain receipts, medical records and cruise line or carrier reports.
• Contact the provider's assistance line in an emergency.

How Travel Insurance Works

Arranging protection is straightforward when you know what your trip involves.

Frequently Asked Questions