What
is the best travel insurance for you?
Travel insurance is something that anyone
going on a trip needs to have as it makes sure you are covered
in the event of a whole range of emergencies. There are many
different types of travel insurance available, though, so
which one is right for you? This guide takes you through some
key types of holiday
insurance to give you a better idea of what’s out
there.
Annual insurance
If you’re a travel enthusiast who goes on several holidays
a year, annual
travel insurance could well be the policy for you. As
the name suggests, this insures you over the course of the
year and gives you cover for an unlimited number of trips,
although the trips will generally need to be for less than
90 days at a time. If you’re travelling regularly, it
certainly helps to ease your administration burden if you
know you’ve already got your insurance sorted.
Backpacking
If you’re going backpacking, there is special backpacker’s
travel insurance that you could take advantage of. This insurance
can cover for between 31 days and18 months, taking account
of the fact that people vary the length of their trips considerably.
This is a good type of travel insurance for students going
on gap years as it covers a wide range of sports and there
are many optional extras that you can add to your cover if
you need to.
Single trips
If you’re someone who just goes on the occasional trip,
such as a beach holiday or city break, single
trip travel insurance could be just what you’re
looking for. All you need to do is specify the dates of your
trip (normally between 3 and 365 days) and you should be able
to get cover for that period. As well as the standard cover
such as healthcare, baggage, money and emergency assistance,
you can also get extras such as sports cover depending on
what you plan to do on your trip.
Adventure holiday
If you’re going on an adventure holiday, there are a
couple of travel insurance policies that might be right for
you. If your adventure is part of a backpacking trip then
backpacker’s insurance with added extras for various
sports might be a good option. If the trip is a one-off then
single trip insurance with added sports coverage could be
a good idea: if you’re in doubt, check with your holiday
insurance provider to find out which policy would be best
for your needs.
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