The most common risks that are covered by travel insurance are:

• Medical emergency (accident or sickness)
• Emergency evacuation

• Repatriation of remains

• Return of a minor
• Trip cancellation
•  
• Trip interruption
• Accidental death, injury or disablement benefit
• Overseas funeral expenses
• Lost, stolen or damaged baggage, personal effects or travel documents
• Delayed baggage (and emergency replacement of essential items)
• Flight connection was missed due to airline schedule
• Travel delays due to weather
• Some travel policies will also provide cover for additional costs,
  although providers. these vary widely between 
  In addition, often separate insurance can be purchased for specific costs such as:
  
• Pre-existing conditions (e.g. asthma, diabetes)
• Sports with an element of risk (e.g. skiing, scuba diving)
• Travel to high risk countries (e.g. due to war, natural disasters 
• or acts of terrorism)
• Additional AD&D coverage
•