Comprehensive plans are the most widely known form of travel insurance coverage. Typically, a comprehensive plan will offer a variety of benefits for travelers, covering a wide range of concerns. Most provide comprehensive coverage for trip cancellation and interruption, baggage, 24-hour assistance, and some travel medical benefits.

Comprehensive plans are available for most any type of travel, not just for package vacations.

Coverage Limits

These vary between plans and providers, and dictate the maximum amount of reimbursement to which you might be entitled if you had to file a claim. Two coverage limits which are often of particular interest to travelers are the limits on medical coverage and baggage. Be sure to evaluate these limits based on your individual needs and concerns. For example, if you’re traveling with expensive equipment, you may want to inquire about comprehensive plans that offer higher coverage limits for baggage. If you are particularly concerned about illness or injury while traveling, you may want to make sure they’re comfortable with the medical coverage limits.

Exclusions

Most travel insurance policies will include a list of exclusions (events and items) that are not covered by the insurance company. It’s always advisable to make sure you’re well acquainted with the terms of any plan you’re considering purchasing, so that you can feel comfortable the coverage you do buy will meet your needs.

Special Coverage Options

Two highly desirable coverage options, pre-existing conditions waivers and cancel for any reason (CFAR) coverage, are offered as benefits in some comprehensive plans. However, these benefits will only be available for travelers who meet certain criteria. For example, to receive these benefits as part of a comprehensive plan, you may have to purchase your travel insurance within a specified time frame, usually within 10-30 days of making your initial trip payment. Be sure to thoroughly read and understand all the criteria for eligibility.