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 coverage for trip cancellation and interruption, travel delay, baggage, 24-hour assistance and some travel medical benefits.
Comprehensive travel insurance plans are available for mostly any type of trip, not just pre-packaged vacations.
Coverage limits vary between plans and dictate the maximum amount of reimbursement to which you might be entitled if you had to file a claim. Typically, trip cancellation and trip interruption limits directly reflect your trip cost. Other limits are independent of this, like medical, baggage and travel delay coverage. To determine which plan is right for you, you may want to review these more closely.
For example, if you’re traveling with business or sports equipment, you may want to inquire about comprehensive plans that offer optional coverage for these items. If you are particularly concerned about illness or injury while traveling you may want to make sure you are comfortable with the medical coverage limits.
Most travel insurance plans will include a list of exclusions (such as events and items) that are not covered by the insurance company. It’s always advisable to make sure you are well acquainted with the terms of any plan you are considering. This may help you feel more comfortable that the coverage you do buy will meet your needs.
Some exclusions can include travel delays not reaching the required minimum or expensive sports equipment needed for your trip. Also, many plans will exclude pre-existing conditions or adventure activities from medical coverage.
Special coverage options
Two highly desirable coverage options, pre-existing conditions waivers and Cancel for Any Reason coverage, are offered as benefits in some comprehensive plans. However, these benefits will typically 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 plan within a specified time frame. Usually the plan dictates a time frame of within 10-30 days of making your initial trip payment; the criteria will vary for each plan.