Skip to main content
Accessibility|Contact|Privacy|Terms of Service

Benefits of Travel Insurance

  • Published: 2008-12-29 (Revised/Updated 2017-07-29) : Author: Greath Owen
  • Synopsis: Explains the benefits of why you should always take out a good travel insurance policy cover before a trip.

Main Document

"Although I have listed the standard covers, many policies offer you the opportunity to modify the policy either by adding on cover or by removing sections of cover completely."

The primary benefit of obtaining good travel insurance coverage is the knowledge that should something go wrong while you are abroad, you won't be responsible for finding the money to put it right, at a time when you are already stressed out.

As with all insurance policies it is important that you read the policy documents carefully to ensure that the cover you require is included, this is especially the case if you are of the sporting or adventurous persuasion as many activities increase the risk of injury and, therefore, may not be covered as standard or may only be covered for a limited frequency during the period of insurance. Policies vary quite a bit so it pays to shop around if you have the time, or speak to a specialist broker, to try and find a policy that covers your intended activity at no extra cost.

Travel insurance policies come in various forms but most policies include the following categories of cover, although you should always read the policy wording to find out what is and is not covered by the particular policy, also different policies may have the benefits in separate categories or bundle them under one heading:

Most but not necessarily all sections of cover will have an excess amount which is the amount that you are expected to pay in the event of a claim and the insurer only covers costs over and above that figure. This excess amount may be per person, per policy or per claim.

Although I have listed the standard covers, many policies offer you the opportunity to modify the policy either by adding on cover or by removing sections of cover completely. Common options are to waive the excess amount in the event of a claim, to increase the amount of cancellation cover included in the policy, to exclude the personal belongings section, to exclude the cancellation section and in some cases you can exclude the emergency medical treatment section. Another frequent modification is to add cover for a specific activity although the effect on the premium can be quite dramatic depending upon the type of activity as most policies will apply a multiplier to the base cost and this can more than double the premium.

To summarize, a standard travel insurance policy contains many different sections of cover, not all of which everyone needs, but for most people a standard travel insurance policy will cover all the unexpected events that can occur while away from home.

Please bear in mind that if you buy a travel insurance policy that doesn't provide the cover you require, you have wasted your money, not to mention the fact that you could be left facing a very large bill. With all insurance policies you must always read the small print, in the UK you have a 14 day period after purchase, provided that you haven't already made use of the travel insurance policy, where you can get a guaranteed refund if the travel insurance policy turns out not to be suitable, leave it later than that and any refund is at the insurer's discretion.

Similar Topics

1 : Virtual Tours Removes Travel Limitations - Beyond Our Boundaries : Beyond Our Boundaries .
2 : Advice on Traveling with a Catheter : Aeroflow.
3 : Hotel Industry On Right Track to Full Accessibility : Open Doors Organization (ODO).
4 : UN Says Accessible Tourism Benefits Everyone : United Nations.
5 : Saigon Buddy Tours - Accessible Motorbike Tour of Ho Chi Minh City : Saigon Buddy Tours.
From our Disability Travel section - Full List (72 Items)


Submit disability news, coming events, as well as assistive technology product news and reviews.


Loan Information for low income singles, families, seniors and disabled. Includes home, vehicle and personal loans.


Famous People with Disabilities - Well known people with disabilities and conditions who contributed to society.


List of awareness ribbon colors and their meaning. Also see our calendar of awareness dates.


Blood Pressure Chart - What should your blood pressure be, and information on blood group types/compatibility.





1 : Teaching Baby Sign Language - Nita, Show Us More
2 : MitoQ Novel Antioxidant Makes Old Arteries Seem Young Again
3 : Telemedicine Helps Overcome Healthcare Gender Based Barriers
4 : Screen Reader Plus Keyboard Helps Blind, Low-Vision Users Browse Modern Webpages
5 : Our Digital Remains Should be Treated with Same Care and Respect as Physical Remains
6 : Tungsten: Concern Over Possible Health Risk by Human Exposure to Tungsten
7 : Student Loan Discharge Process for Disabled Veterans Made Easier
8 : Growing Bone and Cartilage Tissues for Humans from Flaxseed Like Particles


Disclaimer: This site does not employ and is not overseen by medical professionals. Content on Disabled World is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of a physician or other qualified health provider with any questions you may have regarding a medical condition. See our Terms of Service for more information.

Reporting Errors: Disabled World is an independent website, your assistance in reporting outdated or inaccurate information is appreciated. If you find an error please let us know.

© 2004 - 2018 Disabled World™