{"id":15326,"date":"2024-04-19T13:46:37","date_gmt":"2024-04-19T17:46:37","guid":{"rendered":"https:\/\/myratecompass.ca\/blog\/?p=15326"},"modified":"2025-05-15T14:56:06","modified_gmt":"2025-05-15T18:56:06","slug":"what-does-travel-insurance-cover","status":"publish","type":"post","link":"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/","title":{"rendered":"What Does Travel Insurance Cover?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_17 counter-hierarchy counter-decimal ez-toc-grey\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" style=\"display: none;\"><i class=\"ez-toc-glyphicon ez-toc-icon-toggle\"><\/i><\/a><\/span><\/div>\n<nav><ul class=\"ez-toc-list ez-toc-list-level-1\"><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#How_Does_Travel_Insurance_Work\" title=\"How Does Travel Insurance Work?\">How Does Travel Insurance Work?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#Common_Types_of_Travel_Insurance_Coverage\" title=\"Common Types of Travel Insurance Coverage\">Common Types of Travel Insurance Coverage<\/a><ul class=\"ez-toc-list-level-3\"><li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#Medical_Expenses_Coverage\" title=\"Medical Expenses Coverage\">Medical Expenses Coverage<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#Trip_Cancellation_and_Interruption_Coverage\" title=\"Trip Cancellation and Interruption Coverage\n\">Trip Cancellation and Interruption Coverage\n<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#Baggage_and_Personal_Belongings_Coverage\" title=\"Baggage and Personal Belongings Coverage\">Baggage and Personal Belongings Coverage<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#Emergency_Evacuation_and_Repatriation_Coverage\" title=\"Emergency Evacuation and Repatriation Coverage\">Emergency Evacuation and Repatriation Coverage<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#Comprehensive_Travel_Insurance\" title=\"Comprehensive Travel Insurance \">Comprehensive Travel Insurance <\/a><\/li><\/ul><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#Additional_Coverage_Options\" title=\"Additional Coverage Options \">Additional Coverage Options <\/a><ul class=\"ez-toc-list-level-3\"><li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#Personal_Liability_Coverage\" title=\"Personal Liability Coverage\">Personal Liability Coverage<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#Accidental_Death_or_Dismemberment_Coverage\" title=\"Accidental Death or Dismemberment Coverage\">Accidental Death or Dismemberment Coverage<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#Legal_Assistance_Coverage\" title=\"Legal Assistance Coverage\">Legal Assistance Coverage<\/a><\/li><\/ul><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#What_Does_Travel_Insurance_NOT_Cover\" title=\"What Does Travel Insurance NOT Cover? \">What Does Travel Insurance NOT Cover? <\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#Final_Thoughts\" title=\"Final Thoughts\">Final Thoughts<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/#Take_the_Next_Step_Today\" title=\"Take the Next Step Today\">Take the Next Step Today<\/a><\/li><\/ul><\/nav><\/div>\n<span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time:<\/span> <span class=\"rt-time\">5<\/span> <span class=\"rt-label rt-postfix\">Min<\/span><\/span>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"15326\" class=\"elementor elementor-15326\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4c1ce96 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c1ce96\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bf12d9b\" data-id=\"bf12d9b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5fb6d82 elementor-widget elementor-widget-text-editor\" data-id=\"5fb6d82\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 08-11-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>For those of us planning a trip, travel insurance is often sidelined or overlooked in favour of the exciting stuff &#8211; flights, hotel stays, and tours. However, when it comes to financial preparedness, travel insurance can take a huge weight off your mind &#8211; even if things go wrong, you\u2019ll be covered. Right?\u00a0<\/p><p>While there are travel insurance packages that cover everything from baggage theft to trip cancellations, this isn\u2019t always the case. In this guide, we\u2019ll clear up some of the fine print about what travel insurance does and does not cover to help you confidently prepare for your next trip.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa8038a elementor-widget elementor-widget-heading\" data-id=\"aa8038a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 08-11-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"How_Does_Travel_Insurance_Work\"><\/span><b>How Does Travel Insurance Work?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09fddf5 elementor-widget elementor-widget-text-editor\" data-id=\"09fddf5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Travel insurance works by reimbursing you for specific trip costs when things go wrong. For example, if your travel plans get cancelled due to unforeseen circumstances, trip cancellation insurance will reimburse you for the trip, including flights and accommodation. If you signed up for baggage insurance and your luggage gets damaged or goes missing, travel insurance can reimburse you for the value of your luggage (up to a limit). Similarly, if you get injured or hospitalized, travel medical insurance will reimburse you for any medical expenses you incur.\u00a0<\/p><p>Note that most of these circumstances include <b>reimbursements<\/b>, meaning you may have to provide for incidents out of your own pocket until the insurance gets back to you. They can then reimburse you via direct deposit or cheque. This is because medical attention or missing baggage often require immediate help, and insurance<b> tends to have a turnaround time of at least a few weeks.<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f260531 elementor-widget elementor-widget-heading\" data-id=\"f260531\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Common_Types_of_Travel_Insurance_Coverage\"><\/span><b>Common Types of Travel Insurance Coverage<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f9641d elementor-widget elementor-widget-text-editor\" data-id=\"8f9641d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>There are lots of travel insurance types to choose from. You can opt to cover specific things, like trip cancellation and baggage insurance, or go for something more comprehensive. We\u2019ve outlined what sort of coverage you can expect from the main types of travel insurance below.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0802d98 elementor-widget elementor-widget-heading\" data-id=\"0802d98\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Medical_Expenses_Coverage\"><\/span><b>Medical Expenses Coverage<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f11575d elementor-widget elementor-widget-text-editor\" data-id=\"f11575d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>One of the most important aspects of travel insurance is medical expense coverage. This coverage ensures that you are protected in case of any medical emergencies while travelling.<\/p><p><b>Typically, medical expenses coverage will include the following:<\/b><\/p><ul><li>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Doctor visits<\/li><li>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Hospital stays<\/li><li>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Prescription medications<\/li><li>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Emergency medical transportation (ambulances, helicopters).\u00a0\u00a0\u00a0\u00a0 <\/li><li>\u00a0<\/li><\/ul><p>Some countries require medical expenses coverage before visa approval, while others have expensive medical care and may be costly if you pay out of pocket. When looking for medical expenses coverage, a good level of coverage is around <b>$100,000<\/b>. However, this will vary based on the country and specific medical costs.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c74a5ac elementor-widget elementor-widget-heading\" data-id=\"c74a5ac\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Trip_Cancellation_and_Interruption_Coverage\"><\/span><b>Trip Cancellation and Interruption Coverage<\/b>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-974e0a9 elementor-widget elementor-widget-text-editor\" data-id=\"974e0a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Trip cancellation and interruption coverage may or may not be included in one policy. In general, the difference between the two is as follows:<\/p><ul><li><b>Trip cancellation coverage<\/b>: Trip cancellation coverage reimburses you for non-refundable expenses if you cancel your trip due to unforeseen reasons. These reasons may include illness, injury, the death of a family member, natural disasters or other events listed in the policy. <\/li><li>\u00a0<\/li><li><b>Trip interruption coverage<\/b>: Like trip cancellation, trip interruption coverage reimburses you for the non-refundable parts of your trip such as airline tickets, hotel reservations, and other prepaid expenses. However, this coverage kicks in after your trip has been interrupted and reimburses you for anything you missed out on. <\/li><li>\u00a0<\/li><\/ul><p>Not only does trip interruption cover you for the part of your trip you missed, but it can also reimburse you for your travel back home. Trip cancellation is ideal if you\u2019re unsure about the circumstances of your flight and don\u2019t want to lose the money you spent on pricy travel arrangements.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b824d54 elementor-widget elementor-widget-heading\" data-id=\"b824d54\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Baggage_and_Personal_Belongings_Coverage\"><\/span><b>Baggage and Personal Belongings Coverage<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccb3ec1 elementor-widget elementor-widget-text-editor\" data-id=\"ccb3ec1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A lot can happen to your baggage. On long flights your luggage may be damaged, go missing, or end up somewhere completely unexpected. <b>Baggage insurance can cover the following<\/b>:<\/p><ul><li><b>Lost (or delayed) baggage<\/b>: If your bag goes missing, travel insurance can reimburse you for any replacement items you buy (within reason). However, it probably won\u2019t cover non-essential, expensive items. Airlines must reimburse you for lost luggage, and travel insurance can supplement this if necessary. <\/li><li>\u00a0<\/li><li><b>Damaged baggage<\/b>: If your bag and its contents are damaged, you can claim back the cost. To do this, you\u2019ll need to report it to the airport help desk first. <\/li><li>\u00a0<\/li><li><b>Baggage theft:<\/b> If your luggage is stolen, baggage cover can reimburse you for its value. However, you need to report it stolen first with a local police station. <\/li><li>\u00a0<\/li><\/ul><p>Having our valuables damaged or going missing is never pleasant. At least with baggage insurance, you can claim back some of the value you\u2019ve lost. For lost luggage, remember to keep your item receipts to make the claim process easier!\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9eaaa13 elementor-widget elementor-widget-heading\" data-id=\"9eaaa13\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Emergency_Evacuation_and_Repatriation_Coverage\"><\/span><b>Emergency Evacuation and Repatriation Coverage<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ce1179 elementor-widget elementor-widget-text-editor\" data-id=\"8ce1179\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Emergency evacuation and repatriation coverage can pay for an emergency evacuation or repatriation flight to get you to a medical facility. This is for dire medical emergencies and it can save your life if something goes wrong.\u00a0<\/p><p>Emergency evacuations (via helicopter) cost between $60,000 to $300,000, so having this insurance can spare you a massive bill.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84aac35 elementor-widget elementor-widget-heading\" data-id=\"84aac35\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Comprehensive_Travel_Insurance\"><\/span><b>Comprehensive Travel Insurance <\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b0a104 elementor-widget elementor-widget-text-editor\" data-id=\"7b0a104\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Comprehensive travel insurance usually includes the following types of cover:<\/p><ul><li>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Trip cancellation and trip interruption insurance<\/li><li>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Baggage cover<\/li><li>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Medical and dental cover<\/li><li>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Emergency evacuation cover<\/li><\/ul><p>\u00a0<\/p><p>This type of coverage is standard for most comprehensive travel insurance, but there are typically add-ons for more specific scenarios.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-348c787 elementor-widget elementor-widget-heading\" data-id=\"348c787\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Additional_Coverage_Options\"><\/span><b>Additional Coverage Options <\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a10f763 elementor-widget elementor-widget-text-editor\" data-id=\"a10f763\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Sometimes standard travel insurance won\u2019t cut it. If you\u2019re heading into a dangerous area, plan on taking part in high-risk sports, or live with a pre-existing medical condition, you may need to opt for additional coverage. Below, we look at a few examples of additional coverage you might not have considered.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8c5c94 elementor-widget elementor-widget-heading\" data-id=\"b8c5c94\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Personal_Liability_Coverage\"><\/span><b>Personal Liability Coverage<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff6d82e elementor-widget elementor-widget-text-editor\" data-id=\"ff6d82e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Personal liability coverage protects you in case you accidentally cause property damage or injure someone while travelling. This is most commonly used for car rentals or adventure sports. It provides basic protection against lawsuits and claims for damages if necessary.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5957e08 elementor-widget elementor-widget-heading\" data-id=\"5957e08\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Accidental_Death_or_Dismemberment_Coverage\"><\/span><b>Accidental Death or Dismemberment Coverage<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bda600 elementor-widget elementor-widget-text-editor\" data-id=\"8bda600\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Accidental death or dismemberment coverage provides a lump sum payment in the event of death or loss of limbs or sight due to an accident during your trip. While this is a scary scenario to consider, having this coverage can help support you or a loved one in case of such a tragic accident.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e65c87 elementor-widget elementor-widget-heading\" data-id=\"5e65c87\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Legal_Assistance_Coverage\"><\/span><b>Legal Assistance Coverage<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e25043a elementor-widget elementor-widget-text-editor\" data-id=\"e25043a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Legal assistance coverage provides support and financial assistance in case you require legal advice or representation while travelling. If you encounter issues with lost or stolen documents, personal injury claims, or disputes with travel providers, legal assistance coverage can help.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0def06a elementor-widget elementor-widget-heading\" data-id=\"0def06a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"What_Does_Travel_Insurance_NOT_Cover\"><\/span><b>What Does Travel Insurance NOT Cover? <\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b5e3d3 elementor-widget elementor-widget-text-editor\" data-id=\"8b5e3d3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Now that you know what travel insurance covers, let\u2019s look at things that limit or cancel out potential insurance claims. <b>Most insurance will not cover the following:<\/b><\/p><ul><li><b>Predictable, foreseeable events<\/b>: If you book a trip while weather reports predict a hurricane or natural disaster, you likely won\u2019t be able to claim anything back for a cancelled trip. <\/li><li>\u00a0<\/li><li><b>Epidemics<\/b>: Epidemics are somewhat tricky ground. Not all of them will exclude you from coverage. The Covid pandemic resulted in several insurance policies adding clauses specifying that trip cancellations due to lockdowns will not be covered. If you\u2019re unsure, double-check your insurance\u2019s specific policies on epidemics. <\/li><li>\u00a0<\/li><li><b>Wars<\/b>: If there\u2019s a war at your destination and you end up hurt or injured, travel insurance will likely not pay for it because the risky circumstances were well known. To get coverage for risky areas, you will need to seek out specific insurance. <\/li><li>\u00a0<\/li><li><b>Pre-existing medical conditions<\/b>: Again, pre-existing conditions are tricky. Some travel insurance won\u2019t cover medical emergencies related to pre-existing conditions unless specified. <\/li><li>\u00a0<\/li><li><b>Risky activities:<\/b> If you participate in adventure sports and end up injured, standard travel medical insurance will not cover it. To get coverage, you need to add adventure sports coverage or something similar to your policy. <\/li><li>\u00a0<\/li><li><b>Government travel restrictions<\/b>: If a government imposes a travel restriction before or while you book your trip, you will not be able to file a claim. <\/li><li>\u00a0<\/li><\/ul><p>Overall, if you know things will go wrong or are reasonably certain your travel has unavoidable risks, standard travel insurance will likely not cover it. To overcome this, find specific insurance to ensure you cover all your bases.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0138eed elementor-widget elementor-widget-heading\" data-id=\"0138eed\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span><b>Final Thoughts<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89cd0b2 elementor-widget elementor-widget-text-editor\" data-id=\"89cd0b2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Travel insurance can provide peace of mind and help you cover expenses if things go wrong during your travels. Knowing what travel insurance does and does not cover is vital to make sure that when you need it most &#8211; you\u2019ll be protected.\u00a0<\/p><p>Safe travels!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-159115e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"159115e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9b23c21\" data-id=\"9b23c21\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0510091 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0510091\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fb4a4ac\" data-id=\"fb4a4ac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d8bd14 elementor-widget elementor-widget-heading\" data-id=\"5d8bd14\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Take_the_Next_Step_Today\"><\/span>Take the Next Step Today<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ba42f3 elementor-widget elementor-widget-text-editor\" data-id=\"3ba42f3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Contact us for your free, no-obligation consultation.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fa75bd elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"8fa75bd\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/eliteharvestfinancial.ca\/rquest-a-call-back-page\/\" target=\"_blank\" rel=\"nofollow noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn More<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a3dfc62\" data-id=\"a3dfc62\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9064f77 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"9064f77\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 08-11-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"423\" height=\"348\" src=\"https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/6706f5e1160b304725e319d4.png\" class=\"attachment-large size-large wp-image-15442\" alt=\"\" srcset=\"https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/6706f5e1160b304725e319d4.png 423w, https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/6706f5e1160b304725e319d4-300x247.png 300w, https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/6706f5e1160b304725e319d4-304x250.png 304w\" sizes=\"(max-width: 423px) 100vw, 423px\" style=\"width:100%;height:82.27%;max-width:423px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p><span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time:<\/span> <span class=\"rt-time\">5<\/span> <span class=\"rt-label rt-postfix\">Min<\/span><\/span> For those of us planning a trip, travel insurance is often sidelined or overlooked in favour of the exciting stuff &#8211; flights, hotel stays, and tours. However, when it comes to financial preparedness, travel insurance can take a huge weight off your mind &#8211; even if things go wrong, you\u2019ll be covered. Right?\u00a0 While there&hellip; <a class=\"more-link\" href=\"https:\/\/myratecompass.ca\/blog\/insurance\/what-does-travel-insurance-cover\/\">Continue reading <span class=\"screen-reader-text\">What Does Travel Insurance Cover?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":15384,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[11],"tags":[21],"class_list":["post-15326","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-blog-post-template-1-main-template-to-use","entry"],"aioseo_notices":[],"featured_image_urls":{"full":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-scaled.jpg",924,616,false],"thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-150x150.jpg",150,150,true],"medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-300x200.jpg",300,200,true],"medium_large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-768x512.jpg",750,500,true],"large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-1024x683.jpg",750,500,true],"1536x1536":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-1536x1024.jpg",924,616,true],"2048x2048":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-2048x1365.jpg",924,616,true],"post-thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-1568x1045.jpg",924,616,true],"post-image-medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-375x250.jpg",375,250,true]},"post_excerpt_stackable":"<p>Table of Contents How Does Travel Insurance Work?Common Types of Travel Insurance CoverageMedical Expenses CoverageTrip Cancellation and Interruption Coverage Baggage and Personal Belongings CoverageEmergency Evacuation and Repatriation CoverageComprehensive Travel Insurance Additional Coverage Options Personal Liability CoverageAccidental Death or Dismemberment CoverageLegal Assistance CoverageWhat Does Travel Insurance NOT Cover? Final ThoughtsTake the Next Step Today Reading Time: 5 Min For those of us planning a trip, travel insurance is often sidelined or overlooked in favour of the exciting stuff &#8211; flights, hotel stays, and tours. However, when it comes to financial preparedness, travel insurance can take a huge weight off your mind&hellip;<\/p>\n","category_list":"<a href=\"https:\/\/myratecompass.ca\/blog\/.\/insurance\/\" rel=\"category tag\">Insurance<\/a>","author_info":{"name":"Mohamed Konate","url":"https:\/\/myratecompass.ca\/blog\/author\/admin\/"},"comments_num":"0 comments","featured_image_urls_v2":{"full":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-scaled.jpg",924,616,false],"thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-150x150.jpg",150,150,true],"medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-300x200.jpg",300,200,true],"medium_large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-768x512.jpg",750,500,true],"large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-1024x683.jpg",750,500,true],"1536x1536":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-1536x1024.jpg",924,616,true],"2048x2048":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-2048x1365.jpg",924,616,true],"post-thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-1568x1045.jpg",924,616,true],"post-image-medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-375x250.jpg",375,250,true]},"post_excerpt_stackable_v2":"<p>Table of Contents How Does Travel Insurance Work?Common Types of Travel Insurance CoverageMedical Expenses CoverageTrip Cancellation and Interruption Coverage Baggage and Personal Belongings CoverageEmergency Evacuation and Repatriation CoverageComprehensive Travel Insurance Additional Coverage Options Personal Liability CoverageAccidental Death or Dismemberment CoverageLegal Assistance CoverageWhat Does Travel Insurance NOT Cover? Final ThoughtsTake the Next Step Today Reading Time: 5 Min For those of us planning a trip, travel insurance is often sidelined or overlooked in favour of the exciting stuff &#8211; flights, hotel stays, and tours. However, when it comes to financial preparedness, travel insurance can take a huge weight off your mind&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/myratecompass.ca\/blog\/.\/insurance\/\" rel=\"category tag\">Insurance<\/a>","author_info_v2":{"name":"Mohamed Konate","url":"https:\/\/myratecompass.ca\/blog\/author\/admin\/"},"comments_num_v2":"0 comments","jetpack_featured_media_url":"https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/04\/What-does-Travel-Insurance-Cover-scaled.jpg","_links":{"self":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/15326","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/comments?post=15326"}],"version-history":[{"count":14,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/15326\/revisions"}],"predecessor-version":[{"id":15445,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/15326\/revisions\/15445"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/media\/15384"}],"wp:attachment":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/media?parent=15326"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/categories?post=15326"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/tags?post=15326"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}