Three real cases from our clients and what we learned from them.
What costs insurance really covers
Basic travel insurance covers medical expenses, lost baggage and flight delays. But every policy is different — some include sports and chronic conditions, others don't. The key is reading what exactly is covered, not just looking at the price.
Three cases from practice
- A client fell ill before departure — Insurance with trip-cancellation cover returned the full amount; without it only the hotel's refundable part would remain.
- Baggage arrived late — The right cover let them buy what was needed and file a claim.
- An injury during active holidays — A policy without sports cover didn't pay for treatment; they had to pay for sports on site.
Most people buy insurance to cover 99% of cases — but life's problems tend to happen in exactly the 1% the policy doesn't include.
How to choose the right policy
Assess your trip: will there be active sports, are you travelling with children, is your baggage valuable? Add the covers that match your situation and always save the insurer's phone number. If you're unsure, ask us — we advise on cover for every trip.