Safety & Insurance · 7 min read
Travel insurance basics
Single-trip vs annual cover, what medical limits mean, and the exclusions people miss.
Travel insurance is really three products bundled together: medical cover, trip cancellation, and baggage. They are priced and claimed very differently.
Medical limits
The headline medical limit matters far less than whether repatriation and emergency evacuation are included, and whether pre-existing conditions are declared.
Common exclusions
Adventure sports, motorbike riding without a licence, alcohol-related incidents and unattended baggage are the four exclusions that void most rejected claims.
Single-trip or annual
Two or more trips a year usually makes an annual multi-trip policy cheaper, but check the maximum duration per trip.
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Travel information disclaimer: passport, visa and entry requirements change frequently and vary by nationality, route and purpose of travel. Everything published here is general guidance only and is not legal or immigration advice. Always verify current requirements with the official government sources for your citizenship and your destination before booking and before travel.
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