The purpose of travel insurance is to provide protection for travelers against the unique risks associated with travel, from before they leave until the time that they return. Many of these risks, such as trip interruption, are not always covered by any other types of insurance available.
Generally, travelers are covered by a variety of insurances in their day-to-day lives. Coverage provided by auto, medical, homeowners' and credit card policies, mistakenly give travelers the impression that they have complete coverage should something happen to them on their trip.
Travel protection plans combine the best of all of these policies into a single comprehensive product. More importantly, travel protection plans save travelers time and money by eliminating deductibles and co-payments while preventing them from having to file claims with their various other non-medical insurance suppliers, which could increase their premiums.