Limitations and exclusions can vary, depending on what type of travel insurance plan you choose. In general, refundable expenses, such as those that you can get back from the original company (say a cruise deposit or hotel costs), likely will not be covered because you are getting that money back from the travel supplier.
Travel insurance is for unforeseen events. This means if you purchase travel insurance after something happens the event is no longer considered unforeseen under the policy, and likely will not be covered. For example, if your luggage gets lost on a flight, then you need to have purchased your travel insurance prior to your scheduled date of departure.
For additional coverage, you can customize the travel insurance plan with the optional upgraded coverage.
Travel insurance, like any insurance, does have exclusions. So it’s important to understand your policy and the exclusions before you purchase. Read over the policy of insurance (which contains the full terms and conditions) and ask any questions you have before purchasing.
A policy of insurance document is available for every plan we offer. This document provides the details of the travel insurance, including coverages, limitations, and important exclusions. We highly recommend travellers familiarize themselves with the policy of insurance before and after purchase.