Lesson 4 – Choosing Travel Insurance
🎯 Lesson goal
You will practise asking questions and comparing options to choose travel insurance. This will help you understand insurance details and make good decisions.
💬 Travel dialogue
🧳 Hello, I need some help choosing travel insurance for my trip.
🧑✈️ Of course! How long will you be travelling, and where are you going?
🧳 I will stay for two weeks in Europe. I want insurance that covers health and luggage.
🧑✈️ We have several options. Basic insurance covers serious health problems only.
🧳 What does the premium insurance include? Is the cost very different?
🧑✈️ Premium insurance covers health, lost luggage, trip cancellation, and delays. It costs about thirty percent more.
🧳 What if I need to cancel my trip? Will I get money back?
🧑✈️ Only the premium insurance covers trip cancellation and refunds.
🧳 I think I need the premium insurance for better protection.
🧑✈️ Good choice. Do you want to add extra coverage for adventure sports?
🧳 No, I won’t do any risky sports this time. Thank you for explaining.
🧑✈️ You’re welcome. I will prepare the documents for you to sign.
🧳 Also, can you explain how to make a claim if I have a problem abroad?
🧑✈️ Yes, just call our 24-hour helpline, and an adviser will help you immediately.
🧠 Explanation
This lesson shows a traveler choosing travel insurance. You practise asking questions, explaining your needs, and comparing options. This language helps you make good insurance decisions while travelling.
🧳 Survival English
🧳 Can you please explain the coverage? (Ask for more information.)
🧳 Is trip cancellation included? (Check what is covered.)
🧳 How do I make a claim? (Ask about the process for problems.)
💡 Common English mistake
❌ I want insurance covers luggage.
✅ I want insurance that covers luggage.
🔊 Pronunciation
The word ‘insurance’ stresses the second syllable: in-SUR-ance. Say it clearly to be understood.
🌍 Travel tip
Always check what is included in your travel insurance. Some plans do not cover trip cancellation or lost luggage, so ask before you buy.
🎧 Listen and repeat
🎧 Hello, I need some help choosing travel insurance for my trip.
🎧 I will stay for two weeks in Europe. I want insurance that covers health and luggage.
🎧 What does the premium insurance include? Is the cost very different?
🎧 What if I need to cancel my trip? Will I get money back?
🎧 I think I need the premium insurance for better protection.
🎧 No, I won’t do any risky sports this time. Thank you for explaining.
🎧 Also, can you explain how to make a claim if I have a problem abroad?
🧩 Mini Practice
Repeat these sentences aloud.
Say: I want insurance that covers health problems.
Ask: How much does the premium insurance cost?
Ask: Does this insurance include trip cancellation?
Say: I need coverage for lost luggage, please.
Ask: Can you explain the claim process to me?
Say: I will travel for two weeks in Europe.
Ask: Is there extra insurance for adventure sports?
Say: I prefer the premium insurance for better protection.
Ask: What is the difference between basic and premium insurance?
Say: Thank you for your help with my travel insurance.
🧳 Glossary
| English | Meaning |
|---|---|
| travel insurance | A plan that protects you from problems during travel, like sickness or lost items. |
| premium insurance | A more complete and usually more expensive type of insurance. |
| basic insurance | A cheaper insurance with less coverage. |
| trip cancellation | When you cancel your trip and get your money back through insurance. |
| coverage | Things that are protected by your insurance plan. |
| claim | A request to the insurance company to pay for a problem. |
| luggage | Bags and suitcases you take with you on a trip. |
| adventure sports | Risky activities like skiing or diving that may need extra insurance. |
✅ Quick check
Can you understand the dialogue and repeat the important sentences?