You experience a medical emergency. If you get sick or get injured on your trip, you will need your Travel insurance contact to arrange for emergency medical care and transportation. Your trip is canceled. If your trip is cancelled for any reason you will be able to recover the money you paid for the trip provided your Travel insurance plan covers trip cancellation. You need to be evacuated. Medical evacuations are highly expensive especially and if you are Traveling in a region where the local medical facilities cannot adequately treat your condition your Travel insurance will have to cover those expenses. Your luggage is damaged or stolen. You will be able to recover the money you paid for the luggage and its contents provided your Travel insurance plan provided such coverage. You need help or emergency assistance. Your Travel insurance will have provide help and assistance when you need it.