Your Ultimate Travel Insurance Glossary: Terms starting with D

Glossary on Travel Insurance Terms starting with D

Understanding travel insurance can be complex, but knowing the key terms and concepts can simplify the process. This glossary is designed to answer essential questions about travel insurance, such as “What is included in travel insurance?” and “What is LTA in travel insurance?” It covers a wide range of topics, from the most common type of travel insurance to specifics like global travel protection and what “worldwide” means in the context of coverage.

Whether you're curious about the duration of travel insurance, what international and domestic policies cover, or what travel insurance does not cover, this guide has you covered. Discover the different types of travel insurance, the importance of having coverage, and how global travel insurance terms apply, especially with considerations for COVID-19.

With clear explanations and examples, you’ll learn about global travel policies, what is covered in international travel insurance, and how to obtain the right travel insurance for your needs. Dive into our glossary to gain a comprehensive understanding of travel insurance and make informed decisions for your next trip.

To help you decode this complex landscape, we've compiled a comprehensive glossary from A to Z. Whether you're a seasoned traveler or a first-time explorer, this guide will equip you with the knowledge you need to understand and make the most of your travel insurance coverage.

A	B	C	D	E	F	G	H	I	J
K	L	M	N	O	P	Q	R	S	T
U	V	W	X	Y	Z

1. Deductible: The amount of money that the policyholder must pay out of pocket before the insurance company begins to cover expenses.
2.  Dental Coverage: A component of travel insurance that provides coverage for dental emergencies or treatments while traveling.
3. Death Benefits: Compensation provided by the insurance company to the beneficiary in the event of the insured's death during the coverage period.
4. Delayed Departure: Coverage for additional expenses incurred due to a delayed departure caused by factors such as flight delays or cancellations.
5. Disability Coverage: Protection provided by travel insurance for expenses related to a covered disability incurred while traveling, including medical treatment and transportation costs.
6. Disinclination Coverage: Some policies offer coverage for cancellations due to personal reasons, such as a change of mind or loss of interest in the trip.
7. Domestic Travel Insurance: Insurance coverage for travel within one's own country, typically providing protection for similar risks as international travel insurance, such as trip cancellation, medical emergencies, and baggage loss.
8. Destination Coverage: The countries or regions covered by the travel insurance policy, specifying where the insured is protected while traveling.
9. Dependent Coverage: Coverage provided for family members or dependents who are traveling with the primary insured, typically including spouses, children, or other immediate family members.
10. Documentary Proof: Evidence or documentation required by the insurance company to support a claim, such as medical records, receipts, police reports, or other relevant paperwork.
    
    
    
11. Dismemberment Coverage: Compensation provided to the insured or their beneficiaries in the event of loss of limb or permanent disfigurement due to a covered accident during the trip.
12. Domestic Partner Coverage: Some policies extend coverage to domestic partners who are traveling together, providing similar protections as coverage for spouses.
13. Dangerous Activities Coverage: Some policies offer coverage for high-risk activities such as extreme sports or adventure activities, which may not be covered under standard travel insurance plans.
14. Death in Family Coverage: Protection provided for trip cancellation or interruption due to the death of a family member or close relative.
15. Data Protection: Safeguards implemented by insurance companies to protect the personal and sensitive information of policyholders, including measures to prevent unauthorized access or data breaches.
16. Direct Billing: A process where the insurance company pays medical providers directly for covered expenses, rather than reimbursing the insured after the fact.
17. Delayed Baggage: Coverage for expenses incurred due to delayed baggage, such as purchasing essential items while waiting for luggage to be delivered.
18. Daily Allowance: A fixed amount provided by the insurance company to cover additional expenses incurred during a covered delay or interruption of travel.
19. Digital Nomad Insurance: Specialized travel insurance designed for individuals who work remotely and travel extensively, providing coverage for both travel-related risks and remote work-related needs.
20. Destination Wedding Coverage: Insurance coverage tailored for couples planning a destination wedding, offering protection for wedding-related expenses, travel arrangements, and unforeseen events.
21. Deductible Waiver: An option to waive the deductible requirement for certain types of claims, allowing the insured to receive reimbursement without having to pay the deductible amount first.
22. Depreciation: The decrease in value of insured property over time, which may affect the amount of reimbursement provided by the insurance company for covered losses or damages.
23. Designated Provider Network: A network of preferred medical providers or facilities recommended by the insurance company, often offering discounted rates or direct billing for covered services.
24. Direct Flight Coverage: Protection for expenses incurred due to missed connections or delays caused by a direct flight, such as additional accommodation or transportation costs.
25. Declared Value: The stated or declared value of insured items or baggage, used to determine the coverage limits and reimbursement amounts provided by the insurance policy.
26. Damage Coverage: Protection provided for damages to personal belongings or property while traveling, typically including coverage for theft, loss, or accidental damage.
27. Deferral of Trip: An option to postpone or defer a trip to a later date without canceling the entire trip, often allowed under certain circumstances covered by the insurance policy.
28. Destination Assistance: Services provided by the insurance company to assist travelers with travel-related issues, such as locating medical facilities, arranging transportation, or providing travel advice.
29. Declaration Page: A summary or overview of the key details and provisions of an insurance policy, including coverage limits, deductibles, premiums, and policyholder information.
30. Destination Information: Information provided by the insurance company to help travelers prepare for their trip, including details about the destination country, local customs, travel advisories, and safety tips.
31. Disaster Evacuation: Coverage for emergency evacuation or repatriation
32. Delayed Baggage: Coverage for expenses incurred due to baggage delay beyond a certain specified period, such as reimbursement for essential items purchased during the delay.
33. Delayed Departure: Coverage for additional expenses incurred due to a delayed departure, such as accommodation and meal expenses.
34. Dependent Coverage: Protection provided for family members or dependents who are traveling with the primary insured, often including spouses, children, or other immediate family members.
35. Disability Coverage: Coverage for expenses related to a covered disability incurred while traveling, including medical treatment and transportation costs.
36. Disinclination Coverage: Some policies offer coverage for trip cancellation due to personal reasons, such as a change of mind or loss of interest in the trip.
37. Direct Billing: A process where the insurance company pays medical providers directly for covered expenses, rather than reimbursing the insured after the fact.
38. Declaration Page: A summary or overview of the key details and provisions of an insurance policy, including coverage limits, deductibles, premiums, and policyholder information.
39. Disability Benefits: Compensation provided to the insured in the event of a covered disability that prevents them from working or performing daily activities.
40. Designated Provider Network: A network of preferred medical providers or facilities recommended by the insurance company, often offering discounted rates or direct billing for covered services.
41. Death Abroad: Coverage for expenses related to the repatriation or transportation of remains in the event of the insured's death while traveling outside their home country.
42. Destination Information: Information provided by the insurance company to help travelers prepare for their trip, including details about the destination country, local customs, travel advisories, and safety tips.
    
    
    
43. Digital Nomad: An individual who works remotely and travels frequently, often relying on travel insurance to provide coverage for health care, emergency assistance, and travel-related risks.
44. Depreciation: The decrease in value of insured property over time, which may affect the amount of reimbursement provided by the insurance company for covered losses or damages.
45. Direct Flight Coverage: Protection for expenses incurred due to missed connections or delays caused by a direct flight, such as additional accommodation or transportation costs.
46. Declared Value: The stated or declared value of insured items or baggage, used to determine the coverage limits and reimbursement amounts provided by the insurance policy.
47. Dependent Children: Children who are covered under the travel insurance policy as dependents of the insured, typically including biological or adopted children under a certain age.
48. Declared Pre-existing Condition: A medical condition disclosed by the insured to the insurance company before purchasing the policy, which may affect coverage eligibility or premium rates.
49. Direct Settlement: A process where the insurance company directly settles or pays covered claims with the service provider, such as medical bills or emergency evacuation costs, without requiring the insured to pay upfront and seek reimbursement.
50. Domestic Partner Coverage: Some policies extend coverage to domestic partners who are traveling together, providing similar protections as coverage for spouses.
51. Damage Assessment: Evaluation conducted by the insurance company to assess the extent of damages to insured property or belongings, used to determine the amount of reimbursement or compensation owed to the insured.
52. Deposit Protection: Coverage for non-refundable deposits or payments made for travel arrangements, such as flights, accommodations, or tour packages, in the event of trip cancellation or interruption.
53. Deferral of Trip: An option to postpone or defer a trip to a later date without canceling the entire trip, often allowed under certain circumstances covered by the insurance policy.
54. Death in Family Coverage: Protection provided for trip cancellation or interruption due to the death of a family member or close relative.
55. Destination Assistance: Services provided by the insurance company to assist travelers with travel-related issues, such as locating medical facilities, arranging transportation, or providing travel advice.
56. Direct Settlement: A process where the insurance company directly settles or pays covered claims with the service provider, such as medical bills or emergency evacuation costs, without requiring the insured to pay upfront and seek reimbursement.
57. Destination Management Company (DMC): A local agency or service provider specializing in organizing and managing travel arrangements, activities, and logistics for tourists visiting a particular destination.
58. Declared Value: The stated or declared value of insured items or baggage, used to determine the coverage limits and reimbursement amounts provided by the insurance policy.
59. Death in Service Benefit: Additional compensation provided by the insurance company in the event of the insured's death while performing certain covered activities or occupations, such as adventure sports or hazardous work.
60. Disruption Expenses: Additional costs or expenses incurred by the insured due to disruptions or interruptions to travel plans, such as rebooking fees, accommodation expenses, or meal costs.
61. Damage Waiver: An agreement between the insured and the insurance company to waive certain coverage limitations or exclusions for damages to insured property, often provided for an additional premium.

 

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