---
title: "What Is Considered an Accident?"
description: "Understand how an accident is defined under your travel insurance policy."
url: https://travel-faqs.coverforyou.com/en/articles/66-what-is-considered-an-accident
collection: "Policy Definitions"
updated: 2026-10-15
language: en
---

# What Is Considered an Accident?

Understand how an accident is defined under your travel insurance policy.

## What is considered an accident?

For the purposes of your travel insurance policy, an **accident** means a physical injury caused by sudden, unexpected, external and visible means.

This includes injury resulting from **unavoidable exposure to the elements**.

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**Important:** All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.