Travel insurance is a type of policy that covers various unforeseen events related to traveling, such as trip cancellations, medical emergencies, travel delays, and lost luggage.

Travel insurance is essential as it protects you from significant financial losses that can occur due to unexpected events during your travels, such as last-minute trip cancellations, medical emergencies abroad, or the loss of personal belongings.

Standard travel insurance policies usually cover emergency medical expenses, trip cancellation and interruption, loss of baggage and personal items, travel delays, and sometimes accidental death and dismemberment.

Most travel insurance providers require you to purchase a policy before your journey begins. However, some companies may allow you to buy travel insurance after departure, but it might come with limited coverage and a waiting period.

Consulting an insurance Broker can take a lot of the guess work out of this process. Choose a travel insurance plan based on the nature of your trip, activities planned, the value of your trip, and your medical history. It’s essential to consider what aspects of your trip you would like coverage for and choose a plan that best fits those needs.

The cost of travel insurance varies depending on the duration of your trip, your destination, the coverage amount, and your age. Generally, it is a small fraction of your total trip cost but a worthwhile investment for the protection it offers.

 If you need medical attention while traveling, you should contact your travel insurance provider immediately, as they can direct you to an approved medical facility and coordinate payment. Keep all receipts and documentation for medical services provided, as these will be necessary when you file a claim.