Among the most commonly covered risks in travel insurance covers for emergency medical expenses overseas, repatriation in case of death, terrorism and hijack, travel delay and cancellation, baggage delay or loss, loss of passport/ID and a number of public liabilities while in the destination country.

In the case of a medical necessity, the travel insurance company will compensate you in the form of a reimbursement you up to the paramount amount shown schedule benefit and service as shown on the schedule subject to the deductible, if as a result to bodily injury or sickness while on your trip. Necessary covered medical expenses (covered medical expenses are necessary medical assistance and necessities commended by the ministering physician and include the services of a legally qualified physician, charges of ward confinement and use of hospital rooms, cost of anaesthetics including execution, x-ray exams or treatment and lab tests, ambulance services, drugs, medicine, prosthetics and remedial applicability and supplies, emergency dental and/or optical medication for the relief of pain.

In case of death during the insured trip or journey, the insurance company will pay tentative to the ceiling shown in the schedule; pay a justifiable figure in regard to funeral, burial or cremation costs in the country where the death has happened or the acceptable amount of returning your body/ashes to your country of usual residence. For some of the cheap travel insurance packages available on the market, this limit might be so small that it does not make sense to the insured.