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Travel Insurance Doesn't Cover Everything - Just "Listed Unforeseen Events"

Click here to see what isn't covered

What does "Listed Unforeseen Events" mean?

This means that if the event's not specifically named as a covered reason, you won't have a valid claim. Or, put another way: a travel insurance plan only covers you for the perils or events that are listed in its Description of Coverage. If it's not listed (or specifically excluded) it's not covered.

What do you mean by "Unforeseen"?

Unforeseen means: Situations or losses that result from sudden and unforeseen conditions or events. Travel insurance benefits do not cover conditions or events that, on the date of purchase, are known to You. Travel insurance covers definite events, not ones that might happen.

Unforeseen is especially important when you want to cover a Pre-Existing Condition. That's because the claim will probably be denied if there's not "a turn for the worse". In other words, if the person with the pre-existing condition has already had "a turn for the worse" prior to you buying your travel insurance, there won't be any coverage.

Travel insurance covers you or your group for Listed Unforeseen events like:

• You, your companion or a family member has a medical emergency or dies

• You need emergency transportation / evacuation

• Your cruise line, airline or tour operator goes broke (unless the supplier's in bankruptcy now)

• Bad weather

• A plane crash

• Lost, stolen or damaged luggage

• You're laid off from your job of at least 3 years' employment

• A city you're visiting has a terrorist incident

• Cruise ship sicknesses

Travel insurance is "Named Perils Insurance". This means that it's an insurance policy that names specific risks covered by the policy. If it isn't listed as a covered reason than it's not covered. Just to clarify everything, insurance companies also list specific exclusions. Click here to see some typical exclusions.

Here are some tips in case you have to make a claim.

What Exactly Does Each Plan Cover?

As you can imagine, each company has its own Terms & Conditions. You'll find links to the pages containing all this information in the tables below. All the links below will open a new browser window.

Please select the appropriate Certificate: (you can view them with the free Adobe Acrobat Reader)

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