# Understand a travel insurance policy before I buy

A plain-language breakdown of what a travel insurance policy covers, excludes, and requires, so you can compare plans with confidence.

- Topic: Personal Life & Wellbeing
- Framework: Few-Shot
- Level: Standard
- Tags: Explain & Teach, Fill-in Template
- Source: https://www.thinkwithprompt.com/prompts/understand-a-travel-insurance-policy-before-i-buy

## Prompt

```text
Help me understand a travel insurance policy before I buy it.

**Policy wording or summary (paste it):** [TEXT]
**My trip:** [DESTINATION, DATES, total trip cost, activities - e.g. skiing, scuba, rental car]
**Travelers:** [AGES and any pre-existing medical conditions relevant to cover]
**Cover I already have:** [e.g. credit card travel benefits, health insurance that works abroad - or "not sure"]
**What worries me most:** [e.g. medical emergency, cancellation, lost bags, flight delay]

Give me:
1. A plain-language summary of each section: trip cancellation and interruption, emergency medical, medical evacuation, baggage, delay, and personal liability. Include the limit and excess or deductible for each, quoted from the text I pasted.
2. Key exclusions and conditions that commonly catch people out: pre-existing conditions, risky activities, alcohol-related incidents, travel advisories, and "cancel for any reason" vs. covered reasons only. Only state what the text says; if it's unclear, mark [ASK THE INSURER].
3. What I must do to make a claim: deadlines, documents, police reports, and calling the assistance line before getting treatment.
4. Gaps for my specific trip and questions to ask the insurer before buying.
5. A comparison table template if I'm weighing several policies.

This is general information, not insurance or financial advice. Confirm cover with the insurer in writing before relying on it.
```

## What to fill in

- TEXT
- e.g. medical emergency, cancellation, lost bags, flight delay
- ASK THE INSURER

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