Travel Insurance Frequently Asked Questions
Which trip cancellation reasons are covered by travel insurance?
Insurance companies will always provide you with a list of covered reasons for trip cancellations. Always ask for the list of covered reasons for trip cancellation from your insurer to ensure you understand the scope of cover you get. However, the most common cases are;
- Sickness, injury, or death of you, a family member, or a travelling companion
- Natural disaster damages your destination or cancels your flight
- Laid off from work or required back to work
- Terrorist incident in your destination city
- Bankruptcy of your travel supplier
- Called for jury duty
What is the requirement for travel claim reimbursement?
Always remember to keep all your payment receipts safe for submission to the insurance; you can even scan and email them immediately. The insurer will need evidence of the costs incurred before any refund is done.
What is covered under Medical Expenses?
This will cover you for any accidents and emergency medical and dental care you might need when you travel abroad. Important to note, this is for cases that only occur because of the trip and not any pre-existing condition.
Medical evacuation benefits go together to cater for an ambulance to the hospital, an airlift to a more adequate hospital, and getting you back home on board a medically staffed flight afterwards.
What help can I get through the 24/7 phone assistance?
In case you have a medical issue, the emergency support team can assist with;
- Locating the nearest adequate hospital or specialist if necessary.
- Organizing medical transportation
- Arranging for treatment and overcoming any language barriers
- Organizing transport back home
- Replacing prescriptions in an emergency case.
Or even non-medical emergencies such as;
- Lost baggage search.
- Stolen luggage replacement assistance.
- Lost passport/travel documents assistance.
- Travel information including visa/passport requirements.
- Emergency telephone interpretation assistance and so forth.
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