Even those who understand and work with travel insurance on a regular basis are occasionally surprised by a coverage that is available in a plan. Some of these coverages are quirky, unusually helpful, or simply make you wonder. We can’t even imagine what social behavior a traveler could display that would cause them to be declared a persona non grata by the country’s rulers, for example.
We’ve listed some of the unexpected travel insurance coverages and the plans where we found each. These surprise coverages may be found in plans other than the one we listed here.
1. Suddenly separated or divorced?
A covered reasons for trip cancellation that includes you or a traveling companion becoming legally separated or divorced.
2. Local burial or repatriation?
A local burial in the country where the death occurred if you are traveling outside the U.S. or Canada as an alternative to having your body transported back home for burial.
We found this in the Custom Luxe plan by CSA.
3. Got in trouble with a foreign government?
A non medical evacuation because you are declared a persona non grata by a country you are visiting on your trip and you are asked to leave.
We found this in the Preferred Plus plan by Global Alert.
4. What’s the drug’s name again?
Because medicines and medical treatments are given different names around the globe, this coverage gives a traveler access to a drug translation guide. It also includes access to a medical phrase and terms translation guide.
We found this in the TravelGap Voyager plan by HTH Worldwide.
5. Want to choose your hospital?
Some plans offer the traveler their choice of hospital or medical facility in the event of an emergency medical evacuation.
We found this in the Complete plan by M.H. Ross.
6. Baby on the way?
This one’s great for grandparents and expectant fathers who are traveling. A covered reason for trip cancellation includes needing to attend the birth of an immediate family member’s child.
We found this in the Annual Business Traveler Plan by Allianz.
7. Seeking medical care abroad?
This coverage provides medical evacuations and covers medical expenses due to complications from medical treatment scheduled in a foreign country (also called medical tourism).
We found this in the Bordercross Worldwide plan from Seven Corners.
8. Worried about all those snow days?
A covered reason for trip cancellation that includes canceling because the school year is extended.
We found this in the Worldwide Trip Protector Plus plan by Travel Insured.