Popular Articles
Travel
13.02.2026
Navigating Travel Insurance Claims During Global Disruptions
Systemic disruptions are governed by one doctrine that decides most claims before any documentation is gathered: insurance covers the unforeseen, and an event stops being unforeseen the moment it is named or announced. Insurers compare your purchase date against the storm's naming date or the advisory's issue date, and that comparison is objective. This guide covers what that means in practice, why buying after a named storm is still worth doing, the distinction that decides pandemic-related claims, and why evidence during a mass disruption has to be gathered in the first hours.
Travel
10.02.2026
Travel Insurance for Extreme Sports: What Adrenaline Junkies Need
The most common way adventure travellers end up uninsured is not exotic — it is an altitude cap they never read. Standard policies typically stop at 4,000 to 5,000 metres, while an Everest Base Camp itinerary walks well above that. This guide covers the three different benefits people all call evacuation, why rescue operators often want payment confirmed before they dispatch, Nepal's 2026 insurance requirement for restricted-area permits, and the rescue fraud network charged this year that depended on trekkers agreeing to overstate their symptoms.
Travel
09.02.2026
How to Claim Compensation for Delayed or Lost Baggage
A baggage problem is three separate claims, not one: the checked bag fee back, the receipted essentials you buy while waiting, and the value of a bag that never turns up. Two rules changed in 2024 and most published guidance has not caught up — bag fees are now refunded automatically past defined delay thresholds, and the Montreal Convention limits rose about 18% in December 2024. This guide covers the current caps, the deadlines that end claims regardless of merit, and the one document at the airport that everything else depends on.
Travel
08.02.2026
What Does Travel Medical Insurance Cover in Case of Emergency?
Most US health plans provide little coverage abroad and Medicare provides essentially none, but the real problem is mechanical: many hospitals overseas want payment secured before admission, and a plan that reimburses you in six weeks does not get you through the door tonight. This guide covers the guarantee of payment that does, what separates evacuation from repatriation, the pre-existing condition waiver and its short purchase window, and the intoxication clause that ends more claims than any other exclusion.
Travel
05.02.2026
What to Do if Your Trip is Canceled: An Insurance Roadmap
Most people react to a cancelled trip by looking for their insurance policy, which is the fourth step rather than the first. Airlines now owe an automatic cash refund for cancellations and significant changes without you asking, European compensation rules pay a separate amount on top of that refund, and card benefits sit above both. This guide sets out the four sources of recovery in the order they should be used, the voucher that quietly cancels two of them, and the one document adjusters reject claims for lacking.