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Guides

Travel insurance, explained plainly

What each kind of cover does, what to check, what to do when something goes wrong, and each insurer’s own page for your kind of trip. We explain; we don’t give advice.

Kinds of cover

What each kind of cover pays for, and what to check.

Travel medical insuranceWhat travel medical insurance covers (emergency treatment, evacuation, repatriation), the limits to check, and each insu…Trip cancellationHow trip cancellation cover works: which reasons count, which costs come back, when to buy it, and what to read in the p…Baggage and delaysWhat baggage and delay cover pays for, the limits that catch people out, and the documents you need to claim.The 10-point checklistTen things to check in any travel insurance policy before you buy: medical limits, evacuation, cancellation reasons, exc…

Kinds of trip

Visas, long trips, nomads, adventures, any passport.

Schengen visaWhat the EU Visa Code asks of travel insurance for a Schengen visa: at least €30,000, valid in all 29 Schengen countries…Digital nomadsWhat digital nomads look for in travel insurance (medical cover across countries, monthly terms, evacuation) and each in…Long trips and gap yearsCover for trips lasting months: maximum trip length, rolling subscriptions, buying while you travel, and what to check.Any nationalitySome travel insurers only sell to residents of certain countries. Where to look whatever your passport, and what to chec…Adventure tripsTreks at altitude, diving, safaris and polar expeditions often need more than a standard plan. What to check in the acti…

Who’s travelling

Families, students, over 65, cruises, visiting the US, health conditions.

FamiliesHow family travel insurance differs between plans: how children are counted, the age a child counts as an adult, and cov…StudentsWhat students studying abroad check in travel insurance: what the school or visa office asks for, the length of cover, a…Travellers over 65What travellers over 65 check in travel insurance: the maximum age to buy, age-based limits on cover or trip length, and…CruisesWhat to check in travel insurance for a cruise: cover at sea and in every port, medical care on board, evacuation from a…Visiting the USTravel medical cover for visitors to the United States: why visitors look at it, what to check (the medical limit, the d…Pre-existing conditionsWhat a pre-existing condition means in travel insurance, the three ways plans treat them, and what to read before you bu…

When it goes wrong

Steps first, then what the airline owes and what insurance pays.

Your flight is delayedWhat to do when your flight is delayed: care at the airport, the EU compensation of €250, €400 or €600 for arriving thre…Your bag is lost or lateWhat to do when your bag is lost, late or damaged: the report at the airport, the 7 and 21 day deadlines, the airline’s …You need a doctor abroadWhat to do when you need a doctor or hospital abroad: the emergency number, your insurer’s assistance line, the European…Your trip is cancelledWhat to do when a trip is cancelled: refunds the airline or a package organiser owe under EU rules, then what travel ins…

Policy words

Ten words that decide a claim.

ExcessPre-existing conditionMedical evacuationRepatriationTrip interruptionCancel for any reasonSub-limitPolicy wordingSchedule of coverTravel delay benefit
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