• Reimbursement of the non-refunded portion of your travel investment if your trip is cancelled or interrupted for a covered reason
• 24-hour access to emergency medical referrals and assistance
• Reimbursement for unexpected travel expenses
• Protection in case of medical emergencies
• Arrangement of and payment for Emergency medical transportation

Not necessarily. You should check these policies before you travel to assess just how you would be covered in case you have an emergency.

Credit cards and homeowner's policies. Many credit cards and homeowner's policies don't cover everything you need to protect, including some types of emergencies and trip cancellation/interruption. If they do provide coverage, it's often limited, depending on the type of card you use or the coverage you have with your homeowner's policy.

Health insurance. Most health insurance plans don't provide direct payment to foreign hospitals. They may also have deductibles and won't cover the cost of emergency medical transportation.

No. Trip cancellation coverage refunds prepaid, nonrefundable payments if you have to cancel your trip for one of the reasons covered by your policy. Covered reasons include the following: sudden medical emergencies, financial default of a covered airline, cruise line or tour operator, bad weather, terrorist incidents, and jury duty. Changing your mind about taking a trip or having certain business obligations are not covered. If you cancel your trip for a covered reason, you must notify your travel supplier(s) within 72 hours of the occurrence, otherwise the right to compensation will lapse.

Non-refundable costs include the total sum of all of your trip payments that would be forfeited due to cancellation prior to trip departure. Some examples include cruise, tour and airline ticket costs. Be sure to consult your travel coordinator to determine what costs are non-refundable for your particular trip as cancellation policies vary.

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