What travel insurance typically covers
Emergency medical treatment
Eligible treatment for sudden illness or injury while abroad, within the geographic area and limits shown in the policy.
Trip disruption
Certain cancellation, curtailment, or delay costs when caused by an insured event and supported by the required documents.
Baggage protection
Benefits for eligible lost, stolen, or delayed baggage, depending on the selected plan, limits, and exclusions.
Emergency evacuation
Transport or repatriation assistance in eligible medical emergencies when approved through the policy's assistance provider.
Why check before assuming you are covered
A credit card, airline package, or existing medical policy may offer limited benefits, but it may not cover the whole trip or the destinations you are visiting. Exclusions can apply to pre-existing conditions, high-risk activities, unattended belongings, or travel against official advice.
MRC helps you confirm the destination, travel dates, number and ages of travellers, trip purpose, and required certificate. For visa applications, the policy may need to meet specific geographic and benefit requirements, so arrange it before your appointment or departure date.
If something happens while you are abroad
Keep the assistance number and policy details accessible. In a medical emergency, contact the assistance provider as soon as practical, particularly before arranging non-emergency treatment or evacuation. For baggage and delay claims, keep airline reports, receipts, police reports, and written confirmations.
MRC can guide you through the notification and documentation process after the event, while final eligibility and reimbursement remain subject to policy terms and insurer approval.
Frequently asked questions
Questions about travel insurance
Do I need travel insurance for a short trip?
It is worth considering for any international trip because emergency medical treatment, missed connections, or lost baggage can create significant costs even during a short stay.
Does travel insurance cover pre-existing conditions?
Coverage varies and exclusions are common. Tell us about relevant circumstances so the applicable policy terms can be reviewed before purchase.
How quickly can travel coverage be arranged?
Many straightforward policies can be issued quickly once traveller and trip details are complete. Contact MRC early so there is time to review requirements and provide documents.