A comprehensive travel insurance policy typically includes coverage for medical expenses, emergency evacuation, repatriation of remains, returning minors home, accidental deaths, and overseas funeral costs. However, coverage can vary between insurance companies, and travellers may need to purchase additional insurance for specific needs.
For instance, additional coverage may be necessary for pre-existing health conditions like diabetes or asthma, as well as for activities involving risk, such as scuba diving or skiing. Additionally, travellers may need extra insurance when visiting high-risk countries.
It's important to note that some exclusions may apply to travel insurance policies, such as coverage for self-inflicted injuries or substance abuse. Understanding the coverage and exclusions of a policy is essential for travellers to ensure they are adequately protected during their trips.