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Travel Insurance Add-Ons Covered by ACKO

Team AckoNov 7, 2025

Travel insurance protects you from the unexpected — lost bags, flight cancellations, or sudden illness. But with ACKO’s flexible add-ons, you can go beyond the basics and build coverage that fits your travel plans perfectly.

These optional covers go beyond the basics, giving you extra protection for specific situations that might not be included in your base policy. Whether you’re planning an adventure holiday, a work trip, or a family vacation, the right add-ons can make a big difference if things don’t go as planned.

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Contents

What Are Travel Insurance Add-Ons And Why Do They Matter?
Travel Insurance Add-Ons Offered By ACKO
When Add-Ons Really Make a Difference?
Things to Keep in Mind While Choosing Add-Ons
Tips to Choose The Right Combination
Conclusion
Frequently Asked Questions

What Are Travel Insurance Add-Ons And Why Do They Matter?

Think of add-ons as the extra benefits you can attach to your travel insurance policy to make it more suited to your journey. Instead of paying for one-size-fits-all coverage, you can pick and choose what works best for you and your loved ones.

Here’s why they’re worth considering:

Customised coverage: Add-ons help you design a policy that fits your unique travel plans.
Extra protection: They bridge the gaps in your base plan by covering scenarios that may otherwise be excluded.
Cost-effective flexibility: You pay a little more upfront but save a lot if something unexpected happens.
Stress-free travels: Knowing you’re covered for your exact needs makes travel less stressful and more peaceful.

Travel Insurance Add-Ons Offered By ACKO

Here’s a closer look at some of the popular add-ons available under ACKO’s international travel insurance plan:

1. Trip Cancellation or Interruption Cover

Sometimes, plans fall apart for reasons beyond your control - a medical emergency, family issue, or sudden travel restriction. This add-on reimburses the non-refundable costs of your trip, such as flights and hotel bookings, if you need to cancel or cut your trip short.

2. Trip Delay or Rescheduling Cover

Flight delays can derail your entire itinerary. This add-on compensates you for additional expenses caused by delays or rescheduling, such as food, accommodation, or alternate transport. It’s especially useful for multi-city or connecting flights.

3. Adventure Sports Cover

If you’re an adventure lover planning to ski, dive, trek, or try other high-energy sports, this add-on is a must. It covers medical expenses arising from injuries sustained during covered adventure activities, something that standard policies often exclude.

4. Baggage Delay or Loss Cover

A delayed or lost bag can throw your trip off balance. It provides compensation if your checked-in luggage arrives late or goes missing, helping you buy essentials until your belongings are recovered or reimbursed.

5. Passport or Document Loss Cover

Losing important travel documents like your passport or visa can be stressful and expensive to replace. With this add-on, ACKO covers the cost of getting replacements and other related administrative expenses, so you can continue your trip with minimal disruption.

6. Compassionate Visit Cover

If you’re hospitalised abroad, this covers the travel and stay expenses for a family member to visit you. It ensures that you’re not alone in a medical emergency far from home, and your loved one can be by your side without financial strain.

7. Repatriation of Mortal Remains

In the unfortunate event of death during travel, the expenses to transport mortal remains back to your home country will be covered. It’s a difficult scenario to think about, but this coverage eases the logistical and financial burden on your family.

8. Personal Liability Cover

If your actions accidentally cause injury or damage to someone else or their property, insurance can help cover the legal and compensation costs. This is particularly helpful when travelling abroad, where such claims can be expensive.

When Add-Ons Really Make a Difference?

Different travellers benefit from different add-ons. Here are a few examples of how they can help in real life:

Adventure enthusiasts: Planning to go scuba diving in Thailand or skiing in Switzerland? The Adventure Sports add-on ensures your medical costs are covered if you’re injured during these activities.
Frequent flyers: Business travellers with tight schedules can benefit from Trip Delay or Rescheduling covers to offset the cost of missed connections.
Families on vacation: The Compassionate Visit or Trip Cancellation add-ons can be invaluable if someone falls ill before or during the trip.
Solo travellers: Add-ons like Passport Loss and Personal Liability provide extra reassurance when travelling alone.
Luxury or long-haul travellers: For expensive, pre-booked trips, Trip Cancellation and Baggage Loss add-ons safeguard your investments.

Things to Keep in Mind While Choosing Add-Ons

Before you pick your add-ons, consider a few key points:

Understand the limits: Every add-on has a maximum payout amount. Check if it’s sufficient for your travel plans.
Check waiting periods and deductibles: Some covers, like baggage delay, only apply after a certain number of hours.
Know what’s excluded: Even add-ons have exclusions. Not all adventure sports are covered, and extreme activities might still be excluded.
Add them at purchase: Most add-ons must be selected when you buy the policy. They can’t be added mid-trip.
Avoid overlap: Review what your base plan already covers so you don’t pay twice for the same benefit.
Review travel requirements: Some countries, such as those in the Schengen region, require specific insurance coverage. Add-ons can help you meet those requirements.

Tips to Choose The Right Combination

Assess your trip type: Short leisure trips might only need basic coverage, while adventure or long-duration travel may call for multiple add-ons.
Prioritise high-risk situations: If you know your plans involve higher risks, like multiple flights or adventure activities, focus your add-ons there.
Keep costs balanced: Choose add-ons that provide meaningful protection without over-insuring.
Buy early: Add-ons like Trip Cancellation work best when purchased right after booking your trip.

Conclusion

Travel insurance protects you from surprises; ACKO’s add-ons make that protection personal. With custom options for every type of traveller, you can travel confidently — knowing you’re covered for what truly matters.

Frequently Asked Questions

Are add-ons included in all travel insurance policies?

No. Add-ons are optional and need to be selected when you purchase your policy. This way, you only pay for the extra coverage you actually need.

Do I have to choose add-ons before buying the policy, or can I pick them after the purchase?

You’ll need to choose your add-ons at the time of purchasing your travel insurance policy. Once your policy is issued, you typically can’t add or modify coverage later.

Are adventure sports automatically covered under travel insurance?

No. Adventure sports are usually excluded from standard travel insurance. You need to pick the Adventure Sports add-on if you plan to participate in activities like skiing, scuba diving, or trekking.

Does ACKO cover trip cancellations if you get tested for COVID-19 before the trip?

Yes. If you have the Trip Cancellation add-on and the reason for cancellation is covered under policy terms (like illness or medical emergency), ACKO will reimburse eligible non-refundable expenses.

Will these increase my premium?

Yes. Add-ons will increase the price of the total premium amount you have to pay.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet, and is subject to changes. Please check the policy document for cancellation reasons, and terms and conditions of the policy.