There are times when travel insurance is a must. It is important to understand all the terms that will be used in your policy. Some of the terms are insurance specific and not used in everyday conversation which makes it even more difficult to understand. Here are some of the more basic terms used in everyday travel insurance:

• Travel delay: If there is a flight delay, travelers get reimbursed for hotel, food or clothing expenses. There is a limit on the amount per day you can claim.
• Cancellation: A traveler can get reimbursed if you have to cancel a booked and paid for trip in the event of personal illness, personal injury, adverse weather, airline strikes, terrorism and other incidences. Check your specific policy for coverage.
• Medical expenses: Reimbursement for medicines or expenses in case of a medical emergency if a traveler becomes sick during a trip.
• Personal Accident: Travelers insurance can reimburse you for expenses due to an accident that caused a personal injury such as a broken limb.
• Personal liability: Coverage in case you cause personal injury to someone else during a trip by accident.
• Legal expenses: Reimbursement in case a traveler would need legal assistance or a lawyer during a trip.
• Baggage loss: Reimburses travelers for lost, stolen or damaged personal items. There are limits and restrictions to this coverage. Check you specific policy for the amounts covered.
• Rental car damage: Reimburses travelers for damage or loss to a rental vehicle. Check your current auto insurance to see if you are already covered. If you are not covered this will allow you to decline coverage offered by the rental car company.

Understanding some basic travel insurance terms will help you decide what coverage you will need as well as possible increasing coverage for certain items. If you are ever in doubt about coverage ask. Asking now is a lot better than finding out later.