What Does Travel Insurance Cover? 5 Misconceptions You Should Know.
What Does Travel Insurance Actually Cover? 5 Common Misconceptions Explained
What does travel insurance cover? Many people know they need it, but aren’t always sure what’s included. Travel insurance cover can vary depending on your policy, your destination, and your personal circumstances. That’s why it’s important to understand exactly what your travel insurance covers before you set off. Below, we clear up 5 of the most common travel insurance myths.
1. “If I cancel for any reason, I’ll get my money back.”
Not always.
Cancellation cover protects you if something unexpected happens that’s included in your policy, like sudden illness, serious injury, or specific unforeseen events. If you cancel simply because you change your mind or your circumstances change voluntarily, this usually wouldn’t be covered.
Always check your policy wording to understand which reasons apply and what exclusions may be in place.
2. “I’ve got an EHIC or GHIC, so I don’t need insurance.”
It’s not a replacement.
Your EHIC or GHIC card gives you access to public healthcare in participating European countries, but it won’t cover private care, medical repatriation (getting you back home), lost baggage, trip delays, or cancellation costs. Travel insurance provides much broader protection, even within Europe.
Click here to obtain a GHIC if you haven’t already, but remember it should complement, not replace, your travel insurance.
3. “My credit card offers travel insurance, so I’m fully covered.”
Only to a point.
Credit cards often provide limited cover, but may have lower benefit limits, high excesses, or exclude certain claims altogether. A dedicated travel insurance policy offers wide-ranging protection across multiple areas, including medical expenses, cancellation, lost luggage, travel disruption and personal liability.
Be sure to read the terms of your credit card policy for clarity on what’s included and any restrictions.
4. “Pre-existing conditions aren’t covered.”
That depends.
Many travel insurance providers, including Covered2Go, offer medical screening. This allows you to declare any pre-existing conditions and, if accepted, have them fully covered under your policy. Full disclosure ensures you’re properly protected and won’t face problems should you need to claim.
Click here for more information on how you can cover your medical conditions with Covered2Go.
5. “Cheapest is best.”
Value matters more.
Low-cost policies can look attractive, but may have lower cover limits or higher excesses. It’s important to choose a policy that offers meaningful protection, especially for medical expenses, cancellations and disruptions. Quality cover saves you stress (and potentially thousands of pounds) if something goes wrong.
Always compare policies based on what’s included, not just the price.
Travel Insurance Cover: Why It’s Worth Understanding
Understanding what travel insurance covers before you travel means you can relax knowing you’re properly protected. From unexpected medical emergencies to lost luggage or trip cancellations, your policy is there to safeguard your trip, and your finances, when things don’t go to plan.
At Covered2Go, we make it easy to choose clear, flexible, and fully explained cover options, with optional add-ons tailored to your needs.
Before you book your next trip, make sure you know what your travel insurance covers.
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Disclaimer:
The information provided in this blog is for general guidance only. Please ensure you read the full policy details and terms before purchasing any travel insurance. This content may include links to services provided by Covered2Go, and purchasing through us may result in a commission for our services.
