Travel Insurance

Travel insurance that is intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while traveling, either within one’s own country, or internationally. Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a more extensive, continuous insurance can be purchased.

Travel insurance purchased from travel suppliers tends to be less inclusive than insurance offered by insurance companies. Travel insurance often offers coverage for a variety of travelers. Student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel are all various options that can be insured.

Coverage types

The most common risks that are covered by travel insurance are:

  • Medical/dental expenses
  • Emergency evacuation/repatriation of remains
  • Return of a minor child
  • Trip cancellation/interruption
  • Accidental death, injury or disablement benefit
  • Overseas funeral expenses
  • Curtailment
  • Delayed departure, missed connection
  • Lost, stolen or damaged baggage, personal effects or travel documents
  • Delayed baggage (and emergency replacement of essential items)
  • Legal assistance

Optional coverage

Some travel policies will also provide cover for additional costs, although these vary widely between providers.

In addition, often separate insurance can be purchased for specific costs such as:

  • Car rental collision coverage
  • Pre-existing conditions (e.g. asthma, diabetes)
  • Sports with an element of risk (e.g. skiing, scuba diving)
  • Travel to high risk countries (e.g. due to war, natural disasters or acts of terrorism)
  • Additional AD&D coverage
  • Kidnap and ransom insurance
  • 3rd Party Supplier insolvency (e.g. the hotel or airline to which you made nonrefundable pre-payments has gone into administration)

Common exclusions

  • Pre-existing medical conditions
  • War or terrorism – but some plans may cover this risk, and some do cover for acts of terrorism
    • Injury or illness caused by alcohol or drug use

Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance.

Welcome to Pacific Group (EA) Ltd. ISO 9001:2008 Certified

Pacific Insurance Brokers (EA) has received its ISO 9001:2008 certificate. This was a fine moment of joy and jubilation to be among the few Insurance Brokers who have received ISO certification. We believe our certification is a prove that we have come of age and that our dream to become the leading most reliable insurance brokerage house in the region is not far fetched. We are committed to our clients in providing valuable and professional services without compromising the principles of insurance.

Our Affiliates
Feedback Form

Pacific Group SMS Alerts