Travel insurance typically covers a range of situations, including trip cancellations, medical emergencies, lost luggage, and travel delays. Specific coverage can vary by policy, so it's essential to review your plan to understand the exact protections it offers.

Yes, you can purchase travel insurance after booking your trip, but it's usually recommended to do so as soon as possible. Many policies offer additional benefits when purchased early, such as coverage for pre-existing medical conditions or "cancel for any reason" options. Buying insurance shortly after booking ensures you're covered for unexpected events that may arise before your trip.

To file a claim, contact your travel insurance provider as soon as possible. They will guide you through the process, which typically involves completing a claims form and providing supporting documents, such as receipts or medical records. Promptly reporting and documenting the incident is crucial to ensure a smooth claims process.