2. WHAT IT COVERS
Cancellations. If your plane gets cancelled due to weather or other factors outside of your control.
Loss. If any of your property is lost or stolen while you are on your trip. (Even if your bags are delayed, most policies will pay for you to get the essential items until your bags make it in.)
Accidental death or dismemberment.
Legal issues If for some reason you need a lawyer or legal help while traveling abroad, this will be covered by most plans.
Medical. If you become ill or hurt, the policy will pay for some of your medical bills.
Emergency Evacuation. In cases of violence or natural disaster if you need to leave the country quickly, you would be covered.
