Coverage 1
Emergency medical expenses abroad or during the insured journey where covered.
Travel Insurance
Travel Insurance
Travel Insurance is designed to address specified travel insurance risks, with coverage structured around the insured interest, policy limits and applicable terms.
Understand the cover
Claims guidance
Coverage choices
Customer supportUNDERSTANDING THE POLICY
Protection built around the risk you want to manage
Travel insurance is intended to provide protection for specified travel-related risks during an insured journey. The appropriate policy depends on destination, trip duration, purpose of travel, travellers and benefits selected.
Coverage 2
Trip cancellation, interruption or delay for insured reasons.
Coverage 3
Baggage loss, delay or damage subject to limits and conditions.
Coverage 4
Passport or travel-document assistance where covered.
Coverage 5
Personal liability and other travel assistance benefits where included.
COVERAGE AREAS
What the policy may address
Coverage is subject to the exact policy wording, schedule, endorsements, limits, conditions and exclusions.
01
Emergency medical expenses abroad or during the insured journey where covered.
02
Trip cancellation, interruption or delay for insured reasons.
03
Baggage loss, delay or damage subject to limits and conditions.
04
Passport or travel-document assistance where covered.
05
Personal liability and other travel assistance benefits where included.
IMPORTANT CONDITIONS
What to check before choosing
Insurance is a contract of defined coverage, not a blanket guarantee against every loss.
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Known or undeclared medical conditions may be subject to specific conditions or exclusions.
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Events outside the policy period or geographical scope.
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Claims without required evidence or outside stated limits.
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Losses arising from excluded activities, destinations or circumstances.
Documents that may be requested
- Passport and travel itinerary.
- Visa or booking documents where relevant.
- Policy certificate and travel dates.
- Medical records or hospital bills for medical claims.
- Airline, police, baggage or other official reports for travel incidents.
CLAIMS JOURNEY
What to do when something goes wrong
Prompt notification and complete documentation can help the insurer assess a claim efficiently. Exact timelines depend on the policy.
01Contact the insurer's assistance channel as soon as possible.
02For medical emergencies, seek appropriate treatment and retain medical records.
03Report baggage or document loss to the relevant carrier or authorities.
04Keep receipts and supporting evidence.
05Submit the claim within the prescribed timeline.
FREQUENT QUESTIONS
Questions customers commonly ask
When should travel insurance start?
The policy period should cover the insured journey and should be selected according to the product's rules.
Does it cover every cancellation?
Cancellation benefits generally apply only to listed insured reasons and subject to conditions.
Can family members be covered together?
Family and group travel products may allow multiple travellers to be covered under one arrangement, depending on the product.
Is adventure activity automatically covered?
Not necessarily. Certain activities may be excluded or require an extension. Check the wording before travel.
PERSONAL ASSISTANCE
Talk to GUAN Technologies about Travel Insurance
Tell us about your requirement and our team can help you understand what information and coverage features should be compared.