Travel cover can be needlessly difficult to understand. We don’t want you to feel like it’s a struggle though, because all the jargon is easy enough to understand! We outline some of the more common terms you’ll encounter here on our site, to help you get covered with confidence. If you’re still confused by the end of it, check out our guides to learn more about travel insurance.
In the event of serious injury, travel insurance can cover repatriation (transport back home), and even funeral expenses.
Things like skiing, snorkelling, horseback riding, and more can be considered ‘adventure sports’, and may attract an extra cost when buying health insurance.
If you need to cancel your trip for unforseen reasons, your travel insurer will pay your cancellation fees owed to agents, up to a certain amount.
If you only wish to get covered for a few things (e.g. medical cover only), basic travel insurance cover may be what you’re looking for.
In the event of your death, your insurer will pay compensation to this person – usually your dependents (i.e. your children or spouse).
Cancellation cover can look after the cost of missed departures, connections, lost deposits, cancellation fees, etc.
If you require exhaustive coverage, you can get a comprehensive travel insurance policy. This typically includes more cover than any basic or mid-range policy.
Your travel insurer may put you up in a hotel overnight if circumstances beyond your control (e.g. terrorist attacks, civil unrest, inclement weather) have prevented you from departing at the time you intended.
An excess acts as a deductible expense you have to pay in order for your claim to be fulfilled.
You may be reimbursed for items at their ‘current market value’ – essentially, what that item is worth today, not when you purchased it.
This is the level of travel insurance cover superior to ‘basic’, and should cover a few things more than those policies, potentially including lost luggage and theft.
Travelling multiple times a year? You’ll require a multi-trip policy, then. This a good option for any travellers who fly from place to place throughout the year.
One of the most important things to get covered for by a travel insurance policy is medical expenses. Things like hospital care, emergency transport, and medication costs are expensive when they aren’t subsidised.
Personal liability covers any costs related to you injuring someone, or damaging someone’s property.
The PDS is a document describing the extent of your travel insurance cover. It details what you’re covered for, what you’re not covered for, etc.
A price estimate of how much a travel insurance policy will cost you, based on a set of questions you answer to best determine which policy is right for you.
Many travel insurance policies will cover your rental car excess if you get in an accident, which can save you a lot of money.
A single trip travel insurance policy will cover you for journeys where you do one trip, even if it is to multiple countries.
If you’re delayed due to circumstances out of your control, you may be able to claim on expenses related to that delay (e.g. hotels, meals, etc.)
Underwriters accept the risk of insuring you, guaranteeing you will be paid if circumstances call for it. Your insurer isn’t necessarily the underwriter of your policy.