Emergency medical assistance may be needed for all sorts of misfortunes from stomach flu to a serious car accident. Traveling to foreign countries can be daunting especially when you have an emergency. Travel insurance will give you access to a 24-hour helpline for assistance in your own language. You can rely on being treated in a suitable medical facility wherever you may be, and your insurer will guarantee the cost.

Ask anyone who has ever had their bag lost by an airline and they will tell you what a nightmare it can be. With coverage for luggage that is lost, stolen, or damaged, you will be reimbursed for clothes and personal items and you can even buy a new suitcase to take home your new things.

No one wants to cancel the holiday they have been dreaming about for months, but what happens if you get sick, a direct family member dies, or your house floods and you can no longer travel? Airlines, hotels and tour operators all have cancellation fees and some holidays may be 100% non-refundable.

Flights can be canceled for various reasons. If the airline was at fault for the flight being canceled, they are liable for any compensation due. However, if the cancellation was due to a cause beyond their control, such as severe weather, the airline may not assist.
Travel insurance will cover expenses incurred for flight cancellations beyond the airline’s control such as accommodation, meals or any new air tickets required to allow you to continue your journey.