Planning your next getaway? Whether you're jetting off for work, adventure, or much-needed rest, one essential item should always make your packing list: travel insurance.

But what exactly does travel insurance cover? Many travellers purchase a policy without fully understanding the protection it offers, only to find themselves surprised when the unexpected happens.

In this post, we’ll break down the key features of most travel insurance policies, helping you travel with confidence and peace of mind.

Why Travel Insurance Matters

The reality is, travel doesn’t always go to plan. From flight cancellations to lost luggage, illness abroad to rental car mishaps, unexpected expenses can quickly turn your trip into a costly headache.

Travel insurance provides a financial safety net, covering many of the risks that come with exploring the world. It ensures you’re not left footing the bill for emergencies far from home and lets you focus on enjoying your journey.

What Does Travel Insurance Typically Cover?

While every policy differs slightly, most comprehensive travel insurance plans will cover:

1. Medical Expenses Abroad

Illness or injury overseas can be stressful and expensive. Travel insurance covers:

✅ Hospitalisation and doctor visits
✅ Emergency medical treatment
✅ Prescription medications
✅ Medical evacuation if needed
✅ Repatriation (returning you home for treatment)

Tip: If you're travelling frequently or for extended periods, consider an international health insurance plan for more comprehensive, long-term coverage.

 

2. Trip Cancellations and Curtailments

Sometimes life gets in the way. If you have to cancel or cut short your trip due to unforeseen events like:

✅ Illness, injury, or death (yourself or a close family member)
✅ Natural disasters at your destination
✅ Airline strikes or other major disruptions
✅ Redundancy or jury duty

Your travel insurance can reimburse non-refundable expenses like flights, accommodation, and pre-paid tours.

 

3. Travel Delays

Missed connections, severe weather, or technical issues can cause frustrating delays. Many policies cover:

✅ Compensation for significant delays (typically after a set number of hours)
✅ Costs for meals, accommodation, and transport during the delay

 

4. Lost, Stolen, or Damaged Baggage

Lost luggage can derail your trip. Most travel insurance includes:

✅ Replacement of lost or stolen items (subject to limits)
✅ Coverage for baggage delays (essential items reimbursement)
✅ Protection for important documents like passports

 

5. Personal Liability

If you accidentally cause injury or damage to someone else's property while abroad, your travel insurance may cover:

✅ Legal expenses
✅ Compensation claims against you

 

6. Rental Car Excess

Many comprehensive travel insurance plans offer rental car protection, including:

✅ Coverage for damage to rental car windscreen and tyres
✅ Reimbursement for high rental car excess fees

Note: Always check if this is included in your policy or available as an add-on. With our travel insurance, you can enjoy market-leading rental car excess cover, giving you extra peace of mind on the road.

 

What’s Not Typically Covered?

While travel insurance offers broad protection, there are exclusions to be aware of:

⛔ Pre-existing medical conditions (unless declared and accepted)
⛔ High-risk activities like extreme sports (unless specified)
⛔ Travelling against government advice
⛔ Alcohol- or drug-related incidents
⛔ Items exceeding coverage limits without additional cover

 

Choosing the Right Travel Insurance for You

Not all travel insurance policies are created equal. Look for one that:

✔ Matches your destination(s) and trip length
✔ Covers your planned activities (like skiing or diving)
✔ Includes rental car excess if you plan to drive
✔ Provides generous medical coverage limits
✔ Has reputable claims support

At International Protection Group (IPG), we partner with trusted insurers to offer comprehensive travel insurance options, including cover for medical costs, cancellations, lost luggage, and more.

If you're unsure which policy is right for you, our team at IPG is happy to help. We can walk you through your options to find a plan that fits your needs, your trip, and your budget: www.ipg.sg/travel

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