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There are four main categories of travel insurance:

1. Health and Medical reasons Emergency evacuation

This generally covers emergency transportation to either a local hospital in the event that the traveller is unable to get there by themselves or back to a hospital near the traveller's home town. If family members are covered on the same policy they might also be able to travel back home. Medical reasons: This reimburses emergency medical and dental costs. Nearly all holiday insurance plans work by reimbursing the traveller after they have paid locally for treatment. Claims are usually paid within 7 - 10 working days. Pre-existing medical conditions may be covered your policy and it is important to check if you need to factor this into your insurance.

2. Delays and cancellation or curtailment Cancellation

3. Death

4. Loss or damage of property

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