What Travel Insurance Actually Covers: From Dental to Missed Flights

ملخص مفصل

Learn what travel insurance covers for dental emergencies, missed flights, pregnancy, rental cars and common exclusions.

What travel insurance actually covers will vary based on the policy you buy but here are the common things that you can typically expect to be covered and exclusions you need to prepare for.

Many major insurance providers typically offer some level of emergency dental coverage, but there are limits to what is covered and the benefits may be smaller than other forms of medical care. These plans can help with unexpected dental injuries like breaking a tooth while traveling, sudden unexpected pain or requiring an emergency procedure.

However, routine dental care, elective procedures or issues that existed before the trip are usually excluded, Chrissy Valdez, senior director of operations at Squaremouth, told Newsweek.

For U.S. travelers, World Nomads plans may provide coverage for sudden dental pain, unexpected infections or mouth and jaw injuries resulting from an accident, Christina Tunnah, Head of the Americas at World Nomads, told Newsweek.

Other providers have similar plans. For example, Allianz Travel Insurance and Seven Corners offer up to $750 in emergency dental coverage while excluding routine dental services, such as teeth cleaning and cosmetic procedures.

Whether travel insurance will cover missed flights depends on your policy and why you missed the flight.

“Many policies include ‘missed connection’ or ‘travel delay’ benefits when the cause is outside your control: a delayed first flight, severe weather, a car accident on the way to the airport or a strike,” Lisa Conway, chief insurance officer at AirHelp, told Newsweek. “Those benefits can pay for catch-up costs like a new ticket or an extra hotel night.”

For example, Travel Guard provides missed connection coverage on select plans, including Deluxe, Preferred, Pack N Go and Annual. Berkshire Hathaway Travel Protection offers similar benefits through some of its ExactCare plans.

But if the missed flight is caused by your errors, like oversleeping and being late, you’re generally not covered.

مطلع المقال، مقتطف من Newsweek. لقراءة المقال كاملًا، افتحه على موقع الناشر.