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Policy words

Policy wording

Also called the policy document or the terms and conditions.

What it means

The full contract: what is covered, the limits, the excess, the exclusions, the definitions and how to claim. The summary on an insurer’s site shortens it; the wording decides a claim. Read it before you buy.

How it reads in a policy

Sample wording, not a real policyThis policy wording, your schedule and any endorsements form your contract with us.

What to check

  • The definitions section.
  • The general exclusions, not only each section’s.
  • How and when to make a claim.

Read the policy wording before you buy: what’s covered, the limits, the excess and the exclusions.

Questions

What does policy wording mean in travel insurance?

The full contract: what is covered, the limits, the excess, the exclusions, the definitions and how to claim. The summary on an insurer’s site shortens it; the wording decides a claim. Read it before you buy.

Where do I find the policy wording in my policy?

In the policy wording, usually in its definitions and the section it belongs to; your own numbers are in the schedule of cover.

Related words

The three insurers

VisitorsCoverageworldwide travel cover: medical, cancellation, baggage, delays
Open VisitorsCoverage ↗
EKTAtravel insurance for any nationality and destination, bought in minutes
Open EKTA ↗
SafetyWingnomad and long-term travel medical cover, as a monthly subscription
Open SafetyWing ↗

We earn a commission if you buy after following these links. It never changes what this page says, and we don’t give advice. Who each insurer is.

Updated 2026-10-24.

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