Travel insurance usually takes care of travel to a particular country from your home country. You pay a premium to your insurer, which can differ based on your travel destination, the period of stay at the destination, age, and activities you plan to participate in. Some of the insurance companies agree to cover costs (up to a specific limit). We secure your trip for things like emergency medical treatment, lost or stolen luggage and delayed flights. The rest is non-refundable expenses should you have to cancel your trip unexpectedly.