Travel cover

Section 05

Travel insurance, when you have it, is defined by the policy and the schedule, including the dates, the destinations, and the activities that are included or excluded.

Before you treat a trip as covered, read the period of cover and the territorial limits on the schedule. A policy that starts the day after you travel, or that excludes a country you will enter, will not do what you assumed. If you already hold a policy (for example through a bank account or a household policy), read that document to see whether travel is included and on what terms, rather than buying a second policy without checking.

Sports, manual work, medical conditions that already exist, and valuable items are common places where a policy is narrower than a casual description. Those details should be in the wording and, where they apply, in any endorsement attached to the schedule. This site does not list those exclusions for any named product, because they differ.

If a government or a university tells you that travel insurance is required, read that official instruction for the dates and the minimums it names. This page is not that instruction.