1. Home
2. Blogs

What Does Travel Insurance Cover? Key Things Travelers Must Know in 2025

• 
• 
• 
• 0
• 0

Planning to set out on a vacation? You need to stay prepared. From booking flights to planning an itinerary, you need to do it all on your own. Nonetheless, despite all these plans, things can often go haywire. For this reason, you need to get travel insurance. It is your safety net that protects you against financial losses and stress. Whether travelling internationally or domestically, there are key things travellers must know about travel insurance. As a result, you can stay mentally prepared for any problems that may arise during the trip.

Why Travel Insurance Has Become Essential In 2025?

Whether you're going on an international trip or a domestic one, travel insurance has become a significant requirement. Especially after the pandemic, most travellers get this coverage on their trip. Some of the major reasons why travel insurance is essential include:

1. Illness expenses:

One of the key things travellers must know about travel insurance is that it covers medical expenses. No matter what kind of medical illness you suffer from, if you need to see a doctor, you'll receive proper financial coverage for your medical treatment.

2. Emergency stay and extension:

The insurance policy will cover an extended accommodation stay if it is due to a medical emergency. However, the cost of accommodation will be subject to the maximum limit mentioned in the insurance policy.

3. Missed flights:

Missed flights are more common than you think. With travel insurance, you can receive reimbursement as per the policy terms, whether you're booking a new flight or accommodation. This helps against journey disruptions and offers peace of mind.

4. Loss of documents:

What if you accidentally lose essential documents during your trip? Nothing can be scarier than that. With an insurance policy, you will receive financial coverage for obtaining a duplicate passport, including documentation charges. This eases your travel with minimum stress.

What Does Travel Insurance Typically Cover?

Travel insurance cover usually includes a wide range of things to offer protection to the travellers. This includes:

1. Medical emergency

Travel insurance provides medical coverage for various situations like personal accident, hospital cash, dental and emergency medical expenses. It will also cover medical evacuations and accidents. The right insurance also covers Covid-19 vaccination status. Nonetheless, not all insurance providers cover COVID-19. It is advisable to read the policy documents before opting for coverage.

2. Luggage and document loss

You can file a claim with your international travel insurance if your documents and luggage are lost. Moreover, there is a high chance that your delayed luggage will arrive at the destination airport completely damaged. In such cases, you can rely on your travel insurance policy to cover the expenses and losses. You will need to notify your insurance company within 12 hours.

3. Flight cancellations or delays

Air travel is unpredictable, especially when you're travelling internationally. Flight delays and cancellations can occur for various reasons, including technical glitches, socio-political conditions, or adverse weather. When you have travel insurance cover, you can reach out to your insurer to get compensation or reimbursement for the rescheduled flights. The insurance will also cover in case of a non-refundable accommodation booking.

4. Trip cancellation

You may have to cancel your trip for personal reasons. However, with comprehensive travel insurance, you will receive reimbursement for trip cancellation. The insurance will cover cancellation against unforeseen situations like illness, injury to the traveller, unexpected deaths and so on. However, the coverage amount may vary from insurance provider to provider. While some providers will offer only a certain percentage as coverage, others may provide 100% reimbursement.

5. Emergency cash assistance

If you were a victim of theft or robbery, it is very common to have a financial crunch. Therefore, you will need proper financial support while travelling. In this case, you can turn to your travel insurance policy. The company will initiate an immediate fund transfer from your family members. Even if you want the amount to be transferred to you internationally, you can always rely on your international travel insurance policy.

Do You Need Insurance For Domestic Travel?

Yes, you need travel insurance cover for domestic travel as well. Not many people pay attention to travel insurance when travelling domestically. However, it can offer peace of mind while travelling. Mishaps can happen during your domestic trip as well.

From medical emergencies to flight delays or baggage-related concerns, all of them are likely to happen. It is a smart decision to purchase insurance and keep yourself secure against any such issues that may happen during the trip.

Irrespective of the type of trip you’re setting out on, you need to choose the right type of insurance. To learn how to do it, read our blog What Features to Look for in Travel Insurance in 2025?

Conclusion

Whether you're travelling domestically or internationally, if a problem arises, you need a financial backup. There's no better safety coverage than travel insurance. For a very minimal charge, you get higher coverage, preventing you from paying excessively if anything goes wrong during the trip. However, make sure that you purchase the best insurance, especially the one that suits all your travel needs- whether domestic or international.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

RELATED ARTICLES

Top International Festivals to Experience While Traveling in 2025

Exploring Japan's Lantern Festivals, Beautiful Displays Of Light And Tradition

5 Fun Fall Festivals In Europe To Check Out Besides Oktoberfest

Lohri, Pongal, Bihu – How Indians celebrate festivals abroad?

7 Festivals From Around The World That You Cannot Miss

---

• 
• 
• 
•