What is travel insurance and how does it work?
Travel insurance is designed to help cover your expenses if something should go wrong on your trip and fill any gaps that wouldn’t be covered by your primary health insurance or other insurance you may have. It’s not meant to be a substitute for health insurance and won’t cover non-essential overseas medical treatment, such as routine exams.
Travel insurance usually covers travel at a certain distance from your home. You pay the insurance company a fee, called a “premium,” which can vary based on where you’re travelling, how long your trip is, your age, and what activities you plan to participate in. The insurance company agrees to cover costs (up to a certain limit) for things like emergency medical treatment, lost or stolen luggage, delayed flights, or non-refundable expenses should you have to unexpectedly cancel your trip.
Travel insurance can be an affordable way to protect yourself against specific unforeseen events. Having to cancel your long-anticipated trek in Patagonia due to an unexpected family medical emergency is bad enough without having to forfeit all your costs as well. Also, your personal medical insurance may not cover costs while travelling out of the country or might exclude certain activities. With travel insurance, you can explore your boundaries (within reason, of course) and still be covered.
What’s covered and what’s not?
The full list of things we cover is too long to include here, but in general our coverage includes:
- Overseas emergency medical and dental expenses
- Emergency medical evacuation
- Trip delay, cancellation, or interruption due to an unforeseen event
- Delayed, damaged, or stolen gear or bags if they’ve been checked in with a carrier.
Travel insurance isn’t designed to cover everything. Terms, conditions, and exclusions do apply, so be sure to read your full policy wording to avoid surprises.
Here are the main things that aren’t covered:
- Expenses related to pre-existing medical conditions unless your policy says otherwise
- Non-emergency medical expenses, such as eyeglasses or contact lenses, routine medical check ups, or cosmetic procedures
- Items left unsupervised in a public place
- Gear damaged while in use
Travel Insurance from World Nomads covers property and life. Others provide only the means for your travel without securing it completely. Travel Insurance service provided by Secure Travel and Tours partner, World Nomads is unmatched with most of the travel insurance cover offered by other industry players in terms of coverage. We at Secure Travel and Tours provides the means of your travel and as well secure your trip against any unforeseen happening.
Visitors on the globe can buy their travel insurance on the form below!
Clients in Ghana can call us or Contact us for their travel insurance cover for their journey on, +233 (0) 204444220.