Sure, here are more detailed explanations of what travel insurance typically covers:

1. Trip Cancellation or Interruption Coverage:

   - Trip Cancellation: 

 Reimbursement for non-refundable trip expenses if you have to cancel your trip before departure due to covered reasons. Common reasons include illness, injury, death of a family member, natural disasters affecting your destination, or severe weather conditions.

   - Trip Interruption:

 Reimbursement for unused portions of your trip and additional costs to return home early if you have to interrupt your trip for covered reasons.

2. Medical Expenses Coverage:

   - Emergency Medical Treatment:

 Coverage for necessary medical expenses if you become ill or injured during your trip. This includes doctor visits, hospitalization, surgery, prescription medications, and emergency dental treatment.

   - Emergency Medical Evacuation:

 Coverage for the cost of transportation to the nearest adequate medical facility or back home if medically necessary.

3. Baggage and Personal Belongings Coverage:

   - Baggage Loss:

Reimbursement for the value of lost, stolen, or damaged baggage and personal belongings during your trip.

   - Baggage Delay:

Reimbursement for essential items purchased due to delayed baggage, such as clothing and toiletries.

4. Travel Delay Coverage:

   - Reimbursement for additional expenses incurred due to travel delays beyond a certain number of hours (usually 6-12 hours). This can include meals, accommodations, and transportation.

5. Accidental Death and Dismemberment (AD&D):

   - Coverage for accidental death or permanent disability resulting from an accident that occurs during your trip.

6. Other Coverage:

   - Emergency Assistance Services:

Access to 24/7 emergency assistance services, including help with medical referrals, language translation, legal assistance, and emergency cash transfers.

   - Rental Car Damage:

Some policies may offer coverage for damage to rental cars if you purchase optional rental car insurance.

It's important to note that travel insurance policies can vary widely in terms of coverage limits, exclusions, and conditions. Always review the policy details carefully to understand what is covered and any limitations or exclusions that may apply. Travel insurance does not typically cover everything, such as pre-existing medical conditions without a waiver, risky activities like extreme sports, or losses due to alcohol or drug use.