Your Ultimate Travel Insurance Glossary: Terms starting with S

 Glossary on Travel Insurance Terms starting with S

Understanding travel insurance terminology can be challenging, but it’s essential for making informed decisions about your coverage. What is the definition of travel insurance? It’s a policy designed to cover unexpected expenses and losses incurred while traveling. There are various types of travel insurance, each with its own specific terms and conditions. To help you navigate this complex landscape, we present a detailed travel insurance glossary, focusing on terms starting with "S."

Whether you're looking for information on basic travel insurance coverage, the full form of LTA under travel insurance, or need to compare different travel insurance policies, this guide will be invaluable. From "Sickness Coverage" to "Subrogation," our glossary covers both international and domestic travel insurance terms, providing clear definitions and explanations. Understanding these terms will help you better comprehend policy wording, such as that found in an All Clear travel insurance policy.

Additionally, this guide includes essential topics like travel insurance jury duty and Travel Insurance 101, ensuring you have all the knowledge you need. By familiarizing yourself with these terms, you'll be better equipped to compare different travel insurance options and choose the best Travelers Insurance policy for your needs.

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1. Schedule of Benefits: A detailed list of the coverage and limits provided by a travel insurance policy.
2. Secondary Coverage: Coverage that pays out only after other primary insurance (like health insurance) has paid.
3. Single Trip Insurance: Insurance coverage for one specific trip, from departure until return.
4. Specialty Insurance: Coverage designed for specific needs, such as adventure sports or high-risk activities.
5. Stolen Baggage Coverage: Compensation for baggage and personal belongings stolen during a trip.
6. Subrogation: The process by which an insurance company seeks reimbursement from the responsible party for a claim it has paid.
7. Sum Insured: The maximum amount an insurance company will pay out for a covered loss.
8. Supplemental Insurance: Additional insurance purchased to cover gaps in primary insurance policies.
9. Supplier Default: Coverage for losses incurred due to the financial default of a travel supplier, such as an airline or tour operator.
10. Surgical Coverage: Coverage for surgical procedures required during a trip due to an unexpected illness or injury.
    
    
    
11. Scheduled Airline Failure Insurance (SAFI): Coverage for losses resulting from the failure of a scheduled airline.
12. Security Evacuation: Coverage for evacuation due to security threats, such as political unrest or terrorist attacks.
13. Single Occupancy Coverage: Coverage for additional costs incurred if a traveling companion cancels, leaving one person to bear the full cost of accommodations.
14. Snow Sports Coverage: Coverage for activities like skiing and snowboarding, including medical expenses and equipment loss.
15. Short-Term Travel Insurance: Coverage for trips lasting a short duration, typically less than six months.
16. School Trip Insurance: Specialized insurance for students and chaperones on school-organized trips.
17. Seasonal Travel Insurance: Coverage for individuals who travel seasonally, often for work or leisure.
18. Sports Coverage: Coverage for injuries and equipment loss related to sports activities during a trip.
19. Self-Inflicted Injury Exclusion: A clause excluding coverage for injuries that are self-inflicted.
20. Service Provider Network: A list of hospitals, clinics, and doctors that have agreements with the insurance company for providing medical services.
    
    
    
21. Safe Traveler Certification: A certification indicating that a traveler has taken specific steps to ensure safety and health during travel.
22. Standard of Care: The level of care that an insurance company is expected to provide to its policyholders.
23. Standby Travel Insurance: Coverage for travelers who are flying on standby and may face uncertain travel plans.
24. Severe Weather Coverage: Coverage for travel delays or cancellations due to severe weather conditions like hurricanes, snowstorms, or floods.
25. Sailing Coverage: Specialized coverage for sailing activities, including medical expenses and equipment loss.
26. Supplementary Medical Insurance: Additional medical insurance that supplements primary health insurance coverage during travel.
27. Sanction Clause: A clause excluding coverage if the policyholder travels to countries under certain sanctions or embargoes.
28. Service Guarantee: A guarantee provided by an insurance company ensuring timely and efficient service for claims and assistance.
29. Second Opinion Service: A service that provides access to a second medical opinion in case of a serious illness or injury while traveling.
30. Special Event Coverage: Coverage for losses related to special events like weddings, concerts, or conferences.
31. Strikes and Civil Commotion: Coverage for travel disruptions due to strikes, riots, or civil commotion.
32. Seasickness Coverage: Coverage for medical expenses related to seasickness during a cruise.
33. Scuba Diving Coverage: Specialized coverage for scuba diving activities, including medical expenses and equipment loss.
34. Student Travel Insurance: Coverage designed specifically for students traveling abroad for studies or educational trips.
35. Special Needs Travel Insurance: Coverage that addresses the unique needs of travelers with disabilities or special medical conditions.
36. Speedy Claims Processing: A feature of some travel insurance policies that promises quick processing of claims.
37. Safety Equipment Coverage: Coverage for loss or damage to safety equipment like helmets, life jackets, or climbing gear.
38. Sickness and Injury Coverage: Coverage for medical expenses related to illness or injury sustained during travel.
39. Surcharge: An additional fee added to the premium based on risk factors or specific coverage needs.
40. Sports Event Cancellation: Coverage for losses related to the cancellation of sports events due to unforeseen circumstances.
41. Short Notice Trip Insurance: Insurance coverage for trips booked on short notice, often with flexible cancellation policies.
42. Security Assistance: Services provided by the insurance company to assist in case of security threats or emergencies.
43. Senior Travel Insurance: Specialized coverage tailored to the needs of senior travelers, including medical and trip cancellation coverage.
44. Substandard Risk: A term used to describe a higher-risk individual who may require a higher premium for coverage.
45. Safe Deposit Box Coverage: Coverage for valuables stored in a safe deposit box at a hotel or other secure location.
46. Single Supplement Insurance: Coverage for the additional cost incurred if a solo traveler has to pay for a double occupancy room due to a travel companion's cancellation.
47. Service Fee: A fee charged by the insurance provider for processing or administering the insurance policy.
48. Short-Term Medical Coverage: Temporary medical insurance that covers health-related expenses during a short trip.
49. Security Deposit Waiver: Coverage that reimburses the cost of a security deposit if a rental property is damaged or other terms of the rental agreement are violated.
50. Smart Traveler Enrollment Program (STEP): A free service provided by the U.S. government for citizens traveling abroad, which offers assistance in emergencies and updates on travel advisories.
51. Self-Quarantine Coverage: Coverage for expenses related to self-quarantine due to exposure to contagious diseases.
52. Security Screening Coverage: Reimbursement for items lost or damaged during security screenings at airports or other checkpoints.
53. Salvage Charges: Costs associated with recovering property that was lost or damaged during travel.
54. Supplementary Trip Interruption: Additional coverage for trip interruptions not covered under standard trip interruption insurance.
55. Service Animal Coverage: Coverage for costs related to traveling with a service animal, including medical expenses and travel disruptions.
    
    
    
56. Stowaway Coverage: Coverage for unexpected passengers or animals that board a vehicle or vessel without authorization.
57. Snowstorm Coverage: Specific coverage for travel disruptions caused by snowstorms, including delays and cancellations.
58. Suspension of Coverage: Temporary halt of insurance coverage, which may be reinstated under certain conditions.
59. Satellite Phone Coverage: Coverage for the loss, theft, or damage of satellite phones used during travel.
60. Shore Excursion Coverage: Coverage for excursions or activities undertaken during a cruise, including cancellations and medical emergencies.
61. Summit Assistance: Specialized coverage for high-altitude climbing or trekking expeditions, including medical and evacuation services.
62. Substance Abuse Exclusion: A clause that excludes coverage for incidents related to substance abuse, such as drugs or alcohol.
63. Specialty Destination Coverage: Insurance tailored for specific destinations, addressing unique risks or requirements of the location.
64. Scenic Route Coverage: Coverage for additional costs incurred when taking scenic or alternative routes during travel.
65. Sovereign Immunity: A legal doctrine that may affect claims or disputes involving foreign governments or officials.
66. Spiritual Retreat Insurance: Coverage for trips taken for spiritual or religious retreats, including cancellations and medical emergencies.
67. Space Travel Insurance: Coverage for space tourism or travel, addressing unique risks associated with space flights.
68. Supplier Insolvency: Coverage for financial losses due to the insolvency or bankruptcy of a travel supplier, such as airlines or tour operators.
69. Spouse Coverage: Insurance coverage specifically for a traveling spouse, often included in family travel insurance policies.
70. Standard Deductible: The amount the policyholder must pay out-of-pocket before the insurance coverage begins to pay.
71. Surgical Evacuation: Coverage for emergency evacuation to a medical facility capable of performing necessary surgical procedures.
72. Sailing Itinerary Change: Coverage for changes or cancellations in a sailing or cruise itinerary due to unforeseen circumstances.
73. Safe Passage Clause: A clause that provides coverage for safe travel through areas that might otherwise be excluded due to conflict or danger.
74. Service Provider Rating: An assessment or rating of the quality and reliability of service providers affiliated with the insurance company.
75. Supplemental Trip Delay: Additional coverage for expenses incurred due to delays not covered under standard trip delay insurance.