Key Facts

• Some providers cover emergency dental problems, such as a broken tooth or sudden pain, while excluding routine care and cosmetic procedures.
• Allianz Travel Insurance and Seven Corners offer up to $750 in emergency dental coverage, according to the article.
• Missed-connection or travel-delay benefits may pay for costs such as a replacement ticket or hotel night when a delay or other covered event outside the traveler’s control causes a missed flight.
• Travelers who miss a flight because they oversleep or arrive late are generally not covered for that reason.
• Routine pregnancy care and childbirth are typically excluded, though some policies may cover unexpected complications or allow pregnancy-related reasons for trip cancellation.
• Some policies stop covering pregnancy-related issues after a specified point in pregnancy; travelers should check the policy’s limits.
• Travel insurance generally excludes losses linked to events that were already known when the traveler bought the policy, unless the policy provides otherwise.
• Before buying a policy, travelers should check existing coverage from credit cards and health, homeowners, or auto insurance.