Travel Insurance – The Fallacy of a “Full Coverage” Plan

Travel Insurance – The Fallacy of a “Full Coverage” Plan

If you are looking for Travel Insurance that covers everything, then you should know that no such plan exists anywhere in the world.

There is no such thing as a “full coverage” plan that provides 100% coverage for all your risks. Exclusions exist in a policy to mitigate the most common and potential risks for the insurance company. This is how the insurance company can keep the premium low, remain in business, and not pay out more than what they earn. Travel insurance is no exception to this, with the most common exclusion being pre-existing conditions and preventative care.

Why Buy Travel Insurance?

The fundamental purpose of insurance is to cover for unplanned and unforeseen risks. Protecting yourself is a wise thing to do, especially while traveling abroad, since you are more vulnerable to unforeseen health hazards, accidents, and travel emergencies.

What Should You Be Looking For in Travel Insurance?

Focus on what is most important for you. For example: If you are planning to go on a cruise, or mountaineering trip, opt for a plan that covers for medical evacuation, so in case of sudden emergency situation you could be evacuated. If you are traveling abroad with potentially life-threatening pre-existing condition, consider getting a plan that covers for repatriation of mortal remains, if sad and unexpected death does occur.

Every plan is unique. Each plan has different features which may suit or may not suit your situation.

Use our Suggest A Plan tool to analyze your situation and pick an international travel insurance plan that suits your needs. If you have any additional questions about coverage, email us at

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