Travel Insurance

Find and compare a wide range of travel insurance policies from insurers you can trust right here today with zaving

Last updated by Zaving Editorial Team, on May 15th, 2024

Here at zaving we care about getting you the best travel insurance possible. We understand that finding the right travel insurance can be overwhelming, with countless options and varying coverage. That's where zaving can help you. Our goal is to simplify the process and help you make an informed decision by comparing multiple travel insurance providers all in one place.

Whether you're planning a leisurely vacation, a business trip, or an adventure-filled journey, having travel insurance is essential for your peace of mind. Zaving offers a user-friendly platform that allows you to compare different travel insurance policies based on your specific needs and preferences.

You can easily explore the various coverage options available, including trip cancellation, emergency medical expenses, lost baggage, and more. We provide comprehensive information, including policy details and premiums so you can choose the right travel insurance plan that suits your requirements and budget. Start your journey with zaving today and find the perfect travel insurance policy that protects you during your adventures.

What is travel insurance and why do I need it? 

Travel insurance is a type of insurance coverage designed to protect travelers from unexpected financial losses and medical expenses that may arise during their trip. It provides a safety net against various risks such as trip cancellation, medical emergencies, lost baggage, and more.

Traveling involves certain risks, such as flight cancellations, unexpected illness or injury, lost luggage, or even the need for emergency medical evacuation. These situations can result in significant financial burdens and inconvenience. Having travel insurance helps mitigate these risks and provides peace of mind.

With travel insurance, you are protected financially if you have to cancel or interrupt your trip due to covered reasons, such as illness, injury, or other unforeseen events. It reimburses you for non-refundable expenses, including flights, accommodation, and prepaid activities.

Additionally, travel insurance offers medical coverage while traveling. It can cover expenses related to emergency medical treatment, hospital stays, and medical evacuation. This is particularly important when traveling abroad, as medical costs can be exorbitant in some countries.

Moreover, travel insurance typically includes coverage for lost or delayed baggage, trip delays, and even legal assistance in case of certain emergencies. It varies depending on the policy and provider, so it's essential to review the coverage details and choose a plan that suits your specific needs.

In summary, travel insurance provides financial protection and assistance when unexpected events disrupt your travel plans. It ensures you are not left to shoulder the financial burden alone and allows you to focus on enjoying your trip with greater peace of mind.

How does travel insurance work? 

Travel insurance works by providing coverage for certain risks and reimbursing policyholders for eligible expenses incurred during their trip. The specific workings of travel insurance may vary depending on the policy and provider, but here are the general steps:

  1. Purchasing a policy: Before your trip, you can purchase a travel insurance policy from a reputable provider, which you can find right here through zaving. You'll need to provide details such as your trip dates, destination, and the number of travellers to obtain a quote.
  2. Selecting coverage: Travel insurance plans offer different levels of coverage. You can choose a plan based on your travel needs, such as trip cancellation, medical coverage, baggage protection, and more. Be sure to review the policy terms and conditions to understand what is covered and any exclusions or limitations.
  3. Policy documentation: Once you purchase the policy, you'll receive a policy document that outlines the coverage details, terms, and contact information for the insurance provider.
  4. During your trip: If an unexpected event occurs during your trip that falls within the coverage of your policy, you should contact your insurance provider as soon as possible. They will guide you on the necessary steps to take and the documentation required for a claim.
  5. Claim submission: After returning from your trip, you can submit a claim to your insurance provider for eligible expenses. This typically involves completing a claim form and providing supporting documents such as receipts, medical reports, or other relevant evidence.
  6. Claim assessment and reimbursement: The insurance provider will review your claim, assess the eligibility of the expenses, and determine the reimbursement amount based on the coverage limits of your policy. If approved, they will reimburse you for the eligible expenses.

It's important to read the policy terms and understand the coverage details, including any exclusions, limitations, and deductible amounts. Each travel insurance policy is unique, so it's advisable to choose a plan that aligns with your specific travel needs and budget.

What does travel insurance typically cover?    

Travel insurance typically covers a range of risks and expenses incurred during your trip. While coverage can vary between policies and providers, here are some common elements of travel insurance coverage:

  • Trip cancellation or interruption: Reimbursement for non-refundable trip expenses if you need to cancel or cut short your trip due to covered reasons like illness, injury, or unforeseen events.
  • Medical expenses: Coverage for emergency medical and dental treatment while traveling, including hospital stays, surgeries, medications, and ambulance services.
  • Emergency medical evacuation: Coverage for transportation to the nearest appropriate medical facility or back home in case of a serious illness or injury that requires specialized care.
  • Lost or delayed baggage: Reimbursement for the loss, theft, or damage to your luggage and personal belongings, or coverage for expenses incurred due to delayed baggage arrival.
  • Trip delay or interruption: Reimbursement for additional expenses like accommodation, meals, and transportation if your trip is delayed or interrupted due to covered reasons.
  • Travel document loss: Coverage for expenses related to the replacement of lost or stolen passports, visas, or other important travel documents.
  • Emergency assistance: Access to 24/7 travel assistance services for medical referrals, legal advice, emergency cash transfers, or other travel-related emergencies.
  • Accidental death and dismemberment: Coverage for accidental loss of life or limb while traveling.
  • Travel liability: Protection against claims arising from accidental damage or injury caused to others or their property during your trip.
  • Rental car coverage: Coverage for damage or theft of rental vehicles used during your trip.

It's important to note that coverage limits, exclusions, and conditions may vary between policies and providers. It's recommended to carefully review the policy terms and conditions, including any pre-existing medical conditions, to ensure the coverage meets your specific needs.

Remember that travel insurance is designed to provide financial protection and assistance during unexpected events. It is essential to select a comprehensive policy that aligns with your travel plans and offers adequate coverage for potential risks you may encounter while traveling.

Is travel insurance compulsory for international travel? 

Travel insurance is not typically compulsory for international travel. However, it is highly recommended to have travel insurance to protect yourself from unexpected expenses and emergencies that may arise during your trip. While some countries may require proof of travel insurance for specific purposes like obtaining a visa, it is generally not a mandatory requirement for entering a country.

Having travel insurance provides you with peace of mind and financial protection. It can cover a wide range of situations such as trip cancellation, medical emergencies, lost baggage, and more. Without travel insurance, you may be personally responsible for all expenses related to these unforeseen events, which can be quite costly.

Travel insurance helps mitigate risks and offers valuable benefits that can make a significant difference during your travels. It provides coverage for various aspects of your trip, ensuring you have assistance and support when you need it the most. While not compulsory, travel insurance is a smart investment that can save you from potential financial hardship and provide a safety net during your international travels.

Does travel insurance cover medical expenses abroad?  

Travel insurance is designed to provide coverage for various aspects of your trip, including medical expenses incurred abroad. This coverage ensures that you have access to necessary medical treatment and helps protect you from the potentially high costs of healthcare in a foreign country. Let's explore the details of how travel insurance covers medical expenses abroad.

Comprehensive medical coverage

Travel insurance policies typically include comprehensive medical coverage, which encompasses a range of medical expenses you may encounter while traveling. This coverage is particularly important if you experience an unexpected illness, injury, or medical emergency during your trip.

Hospitalization and treatment

If you require hospitalization or medical treatment while abroad, travel insurance can help cover the expenses associated with these services. It includes coverage for doctor visits, hospital stays, surgical procedures, diagnostic tests, and prescription medications. This coverage extends to both emergency and non-emergency medical situations.

Emergency medical evacuation

In the event of a serious medical condition that requires specialized treatment not available at your current location, travel insurance may provide coverage for emergency medical evacuation. This benefit ensures that you are transported to a suitable medical facility, often by air ambulance, to receive the necessary care. The expenses associated with emergency medical transportation can be substantial, and having this coverage can be invaluable.

Repatriation of remains

In unfortunate circumstances where a traveler passes away while abroad, travel insurance can cover the costs of repatriating their remains back to their home country. This benefit assists with the necessary arrangements, including the preparation and transportation of the deceased.

24/7 medical assistance

Many travel insurance policies also offer 24/7 medical assistance services. This provides access to a helpline or assistance center where you can seek guidance, advice, or coordination of medical services in a foreign country. These services can help you navigate the local healthcare system, find appropriate medical facilities, and facilitate communication between you, the healthcare providers, and your insurance company.

Understanding policy terms and conditions

It's important to carefully review the terms and conditions of your travel insurance policy to understand the specific coverage provided for medical expenses abroad. Pay attention to coverage limits, deductibles, exclusions, and any pre-existing conditions that may affect your coverage. Some policies may require you to pay upfront for medical expenses and seek reimbursement later, while others may have direct billing arrangements with healthcare providers.

By having travel insurance that covers medical expenses abroad, you can travel with peace of mind, knowing that you have financial protection and assistance in case of a medical emergency during your trip.

What is trip cancellation insurance?

Trip cancellation insurance is a type of coverage that reimburses you for non-refundable expenses if you need to cancel your trip before departure due to covered reasons. These covered reasons typically include unexpected events like illness, injury, or the death of a family member. By having trip cancellation insurance, you can recover the prepaid and non-refundable costs of your trip, such as flights, accommodations, and tour packages.

Trip cancellation insurance is designed to protect you from financial loss in case unforeseen circumstances prevent you from taking your trip. It provides a safety net by reimbursing you for the expenses you've incurred for your trip but can no longer use. This can include non-refundable deposits, cancellation fees, and other costs that would otherwise be lost.

When purchasing trip cancellation insurance, it's important to carefully review the policy terms and conditions to understand what specific situations are covered and any exclusions that may apply. Different policies may have varying levels of coverage and requirements for reimbursement. Keep in mind that trip cancellation insurance usually needs to be purchased shortly after booking your trip, so it's advisable to secure coverage as early as possible.

Overall, trip cancellation insurance offers valuable protection and peace of mind, ensuring you don't suffer financially due to unexpected circumstances that prevent you from going on your trip. It's an essential component of travel insurance and can help you recover your investment in case your plans change.

Does travel insurance cover lost luggage?

Lost luggage is a common concern for travelers, but the good news is that travel insurance often includes coverage for lost or delayed baggage. Let's delve into the details of how travel insurance can provide protection for your belongings.

Coverage for lost or delayed baggage

Travel insurance typically offers coverage for lost, stolen, or damaged luggage during your trip. If your baggage goes missing or is delayed for a significant period, the insurance can reimburse you for the value of the items that are lost or the expenses you incur due to the delay.

Reimbursement for essential items

In the event of baggage delay, travel insurance may also provide coverage for purchasing essential items such as clothing, toiletries, and other necessary belongings. This benefit ensures that you can continue your trip comfortably while waiting for your luggage to be located or delivered.

Documentation and proof of loss

To make a claim for lost luggage, it's essential to keep all relevant documentation, including baggage claim tags, receipts for your belongings, and any reports filed with the airline or transportation provider. Providing proof of loss will help facilitate the claims process and ensure you receive proper reimbursement.

Time limits and coverage limits

Travel insurance policies may have specific time limits for reporting lost or delayed baggage and filing a claim. Additionally, there may be coverage limits or maximum reimbursement amounts for lost or damaged belongings. It's crucial to review your policy to understand these details and comply with any requirements.

Can I purchase travel insurance after I book my trip? 

When it comes to purchasing travel insurance after booking your trip, here are some key points to consider:

  • Time-sensitive benefits: Trip cancellation coverage may have time-sensitive requirements, typically within a specified time frame of making your initial trip deposit.
  • Coverage for future unforeseen events: Buying travel insurance after booking still provides coverage for future unforeseen events, such as medical emergencies, trip interruption, and baggage loss.
  • Policy exclusions and waiting periods: Carefully review the policy terms and conditions to understand any exclusions or waiting periods that may apply, especially for pre-existing conditions.
  • Comparison shopping and policy selection: Take the time to compare different insurance providers and policy options through zaving to find coverage that aligns with your needs and provides the necessary benefits.

In conclusion, while it is generally recommended to purchase travel insurance when you book your trip, it is possible to buy coverage afterwards. By following these steps, you can find suitable travel insurance coverage for your upcoming trip.

More of your frequently asked questions about pet insurance

Are pre-existing medical conditions covered by travel insurance?

Pre-existing medical conditions may or may not be covered by travel insurance. It depends on the policy and the insurance provider. Some plans offer coverage for pre-existing conditions, while others may exclude them or require additional coverage. It's important to carefully review the policy terms and conditions to understand the coverage related to pre-existing conditions.

Does travel insurance cover adventure activities and sports?

Some travel insurance plans offer coverage for adventure activities and sports, while others may exclude them or require additional coverage. It's important to review the policy details and check if your desired activities are covered. High-risk activities such as skydiving, bungee jumping, or mountaineering may require specialized coverage or may be excluded altogether.

What is the maximum trip length covered by travel insurance?

The maximum trip length covered by travel insurance varies depending on the insurance provider and the policy. It can range from 30 days to one year or more. It's essential to check the policy details and ensure that the coverage duration aligns with the length of your trip.

Does travel insurance cover trip interruption or delay?

Yes, travel insurance typically covers trip interruption or delay. If your trip is interrupted or delayed due to covered reasons such as illness, injury, severe weather, or other unforeseen events, travel insurance can provide reimbursement for the non-refundable expenses or additional costs incurred.

How much does travel insurance cost?

The cost of travel insurance varies depending on several factors such as:

  • the duration of the trip
  • the destination
  • the coverage limits
  • the age of the traveller
  • and any additional optional coverage

On average, travel insurance can range from 4% to 10% of the total trip cost. It's recommended to obtain quotes from multiple insurance providers through zaving and compare the coverage and prices to find a suitable option for your planned holiday. 

Is travel insurance necessary for domestic travel?

While travel insurance is commonly associated with international trips, it can also be beneficial for domestic travel. It can provide coverage for trip cancellation, trip interruption, baggage loss, medical emergencies, and other unforeseen events. However, the necessity of travel insurance for domestic travel may depend on your individual circumstances, and the other health insurance arrangements you have in place. 

Can I get travel insurance for a one-way trip?

Yes, it is possible to get travel insurance for a one-way trip. While most travel insurance plans are designed to cover round-trip travel, some providers offer one-way trip coverage. It's important to carefully review the policy terms and conditions to understand the coverage limitations and exclusions for one-way trips.

Does travel insurance cover natural disasters or emergencies?

Travel insurance can provide coverage for natural disasters and emergencies depending on the policy. It may include reimbursement for trip cancellation, trip interruption, or additional expenses incurred due to a natural disaster or emergency situation. It's crucial to read the policy details and understand the specific coverage provided for such events.

Can I cancel my travel insurance policy and get a refund?

Travel insurance policies usually have a “free look” period, allowing you to cancel within a specified time after purchase and receive a refund. However, once the free look period expires, the policy may become non-refundable. It's important to review the policy terms and conditions to understand the cancellation and refund policy specific to your insurance plan.

Can I get travel insurance for all my family under one policy?

Yes, travel insurance plans often offer coverage options for families. Family travel insurance typically covers the primary policyholder, their spouse or partner, and dependent children traveling together. It provides comprehensive coverage for various travel-related risks and can offer peace of mind for the entire family.

What is the difference between primary and secondary travel insurance coverage?

Primary travel insurance coverage means that the insurance provider is the first to pay for eligible expenses without considering any other insurance coverage you may have. On the other hand, secondary travel insurance coverage means that the insurance provider will only pay after you have exhausted any other applicable insurance coverage, such as health insurance or homeowners insurance. It's important to understand the primary or secondary nature of your travel insurance coverage to avoid any confusion or potential claim issues.

Does travel insurance cover trip cancellation due to COVID-19?

Trip cancellation coverage for COVID-19-related reasons may vary depending on the insurance provider and the specific policy. Some travel insurance plans may offer coverage for trip cancellation if you or a traveling companion test positive for COVID-19, experience COVID-19-related symptoms, or are required to quarantine due to exposure. However, it's crucial to carefully review the policy terms and conditions to understand the coverage limitations and exclusions related to COVID-19.