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A policy covering loss, theft and medical expenses, plus compensation for delays in your travel arrangements, is essential for Mongolia. If items are lost or stolen you’ll need to show your insurance company a police report. You may also need to prove damage or injury, so make sure to take photos. All policies vary, so check the fine print.

Accident and Medical Expenses

If your current health insurance doesn’t cover you while abroad, you should consider getting international travel insurance just in case something should go wrong.

Emergency Evacuation

Emergency evacuations can cost anywhere between $20,000 and $60,000 USD. Without travel insurance, you are up for these costs yourself. Having travel insurance can protect you if you need to be evacuated due to a medical emergency.

Trip Cancellation, Interruption or Delay

If you need to cancel your trip or cut it short due to a defined event, any pre-paid travel and accommodation expenses can be reimbursed if you have travel insurance. If your trip is delayed due to a covered event under a policy, any additional expenses incurred may also be covered under a travel insurance policy.

Baggage and Personal Items

Travel insurance also protects your luggage and personal items such as cameras, laptops, passport and wallet. If your luggage or other personal items are lost, stolen or damaged during the trip, you can make a claim under a travel insurance policy for reimbursement of the expenses to replace these items. Some travel insurance policies will also cover emergency cash.

Accidental Death and Dismemberment

No one likes to think the worst when they go travelling, but things can go wrong. If you have travel insurance, you can receive a benefit amount for the loss of life or limb as a result of an accidental injury during the trip.