Travel Insurance Jargon You Should Look for in Your Policy Agreement

When is the right time to travel? For most people, it is at the end of the year after putting in so much work throughout the entire year. The holidays provide an ample opportunity to unwind and go someplace new.

As such, we usually make travels to relax and try to get away from the usual hustle and stress of normal life.

When traveling, which is meant to be a time to relax, it would be naive to think that the unexpected can’t or won’t occur. And, that’s why it’s crucial to have insurance coverage for your travel needs. With this coverage comes types of travel insurance jargon that you should understand and look out for in your policy.

travel insurance jargon

Undiagnosed Conditions

This covers most of the pre-existing medical conditions that are under investigation. Before you embark on your travel, ensure that your insurance covers undiagnosed conditions, as most insurers don’t. In case something happens during your travels, you’ll know how to handle it because you knew exactly what you were covered for.

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Hazardous Activities

In some cases, your holiday may include participating in some dangerous activities. To be on the safe side, ensure you’re cleared with your insurance that you’re covered before booking for such activities. Coverage here will be both for you and others. Travel insurance jargon will mention things like “hazardous activities”. If your policy details what these activities could include, pay attention.

Flight Cancellation/Delay

Flight delays happen all the time, and so do flight cancellations. Always make sure that you’ve read your policy well to ensure that you’ll be taken care of in case this happens. Mostly, insurance will cover meals, accommodation, and new travel arrangements. Often, the coverage will kick in if the delay is between 6-12 hours.

Personal Liability Coverage

If you injure someone during your travels, a personal liability coverage policy will be able to protect you if the person claims against you. Most people don’t consider this, as they assume it’s about legal matters.

Geographical Limit

One of the most important terms that you shouldn’t lose sight of is this one. This coverage only includes the country the insurance can cover within. If you go to another country, then you aren’t covered. For example, if the geographical limit is the U.K., the U.K is the only country you’re covered in. Go to Greece, and the coverage doesn’t protect you in any way.

Luggage Loss/Delay

Most people often wonder what to do if their luggage gets delayed or gets lost. With a delayed coverage, you’ll receive a cash payment if your luggage gets lost or delayed for more than 12 hours after your arrival.

Medivac/Medical Coverage

Another term that you should take a close look at is medical coverage. In case you get sick and need to be transported back to the US, a medivac will ensure that your transport cost is covered. For normal medical coverage that can be taken care of in the country you’ll be in, ensure you first take a look at your normal medical coverage. If they don’t cover outside the country, you can take the travel medical coverage.

Conclusion

It doesn’t necessarily mean that you’re hoping for the worst on your travels if you take out a travel policy. It is always good to stay on the safe side of things and choose the coverage that will ensure you’re protected completely. These travel insurance jargon are just some that you should look for in your travel insurance policy.

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