One of the primary benefits of travel insurance is protection against trip cancellation or interruption due to covered reasons such as illness, injury, death of a family member, natural disasters, or other unforeseen events. This coverage reimburses you for non-refundable trip costs, such as airfare, hotel bookings, and tour expenses, if you have to cancel or cut short your trip.

Travel insurance typically includes coverage for medical emergencies while traveling. This can include expenses for hospitalization, doctor visits, prescription medications, emergency medical evacuation, and repatriation of remains. Medical coverage is essential, especially when traveling to countries where healthcare costs are high or your domestic health insurance may not provide coverage.

Travel insurance often covers losses due to baggage theft, damage, or loss during your trip. It may also provide reimbursement for essential items if your luggage is delayed for a specified period. Additionally, many travel insurance policies offer travel assistance services such as 24/7 emergency hotline, travel concierge services, legal assistance, and help with lost documents like passports or visas.