Travel insurance businesses provide or arrange cover for people travelling in the UK or abroad. Policies commonly help meet costs arising from unexpected events, such as emergency medical treatment, repatriation, cancellation or curtailment of a trip, lost or delayed baggage, travel delays and personal liability. The cover available depends on the policy, and limits, excesses and exclusions vary. Customers may be offered single-trip policies, annual multi-trip cover or specialist insurance for particular destinations, longer stays, cruises or activities such as winter sports. Insurers and brokers may ask about travellers' ages, health, existing medical conditions and planned activities, as these can affect eligibility and cover. Businesses can explain policy terms, arrange cover and handle or direct claims.