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In the not too distant past, when people thought about travel insurance it was along the lines of something like flight insurance that you bought at the airport just before takeoff. This was basically an accidental death policy that covered the insured while on the airplane and little else. New travel insurance policies now exist that cover a whole spectrum of various loss types. A travel insurance claim may be made through one of these new types of policies for something as unusual as terrorist activity occurring in or near your destination, or for missing a concert or golf game while on your vacation.

There has been a significant rise in travel in the past couple of decades and a simultaneous increase in competition in the travel insurance industry, partly due to easy accessibility on the Internet. New travel insurance policy options have become more creative, with each competing company trying to keep pace with the changing market. Where once a typical vacation might have been a trip to Las Vegas or Disney World, these days it’s just as likely to involve some type of adventure travel to exotic locations and may even include some types of hazardous activities.

One type of travel insurance claim that was unheard of in past travel policies but has now been available for about five years is trip cancellation for any reason. Most policies will pay a claim if the insured is forced to cancel travel as the result of an emergency such as illness or a death in the immediate family, but new travel insurance provisions in some policies allow cancellation for any reason, no questions asked.

With the recent spate of natural disasters such as hurricanes, tsunamis, volcanic eruptions and earthquakes, many more of the new travel insurance policies are including more comprehensive benefits in this area. Where it used to be that you could only make a travel insurance claim if your carrier cancelled your flight to the area, requirements are now often less rigid under natural disaster policy provisions.

Some policy provisions unique to certain travel insurers include the refund of prepaid fees for concerts or other types of activities that, for one reason or another, you find yourself unable to attend. Golf coverage is also available through some policies, paying benefits for lost or damaged equipment and also for forfeited prepaid greens fees if you are unable to play.

These are but a mere handful of provisions that can be included in one of today’s new travel insurance policies. Many contracts are sold a la carte, meaning you can take what you want and leave what you don’t feel you need.

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