InsuranceLecturer — If you are planning a holiday abroad, travel insurance should certainly be on your list of things to consider. Many make their travel arrangements without ever thinking about adding this cover.
There are a number of possible cover types available and choosing the right one can be a difficult decision. You should first understand that travel insurance is not a requirement, no matter where you are planning your holiday. It is however recommended for many reasons.
Travel insurance will protect you in many ways. If your flight is delayed for instance, this cover will compensate you. If your baggage is lost or stolen while you are on holiday or if you become ill or injured, travel insurance can be very beneficial.
Note that the amount of cover and the incidents that are covered will vary by insurer so it is important to pay attention to the policy that you choose. Comprehensive cover typically protects you for medical treatment, theft, cancellations, emergency repatriation, public liability and loss of baggage.
There are many different types of cover available and policies will vary depending on the cover that you need. These policies can be chosen depending on the length of your holiday, your age, the activities that you will be taking part in and who you are traveling with.
Single trip insurance is the most common type and typically covers you for just one trip. You can purchase single trip cover for yourself or your entire family. This cover is purchased before your trip and is only valid for that one trip.
Annual multi-trip travel cover is a good choice if you travel abroad frequently. If you plan to travel more than two times in one year, this can be a bit less expensive than single trip cover.
The total number of trips that you are covered for will depend on our policy but most insurers allow limitless trips under the same policy. Annual policies last for twelve months from the time of purchase but be sure that you read your terms carefully. There may be a limit on how long you can spend abroad on each trip.
Worldwide travel cover is a good option if you are planning to travel outside of Europe. If you wish to visit Australia or America or another country outside of Europe you will need to purchase worldwide cover.
You can also purchase family travel cover that will protect your family for a cheaper price if you are traveling abroad together. Family cover may be a bit more expensive depending on where you are traveling but most policies offer free cover for children under 18.
Group travel cover is another viable option if you are taking holiday with a large group. If for instance you are planning a trip for a stag or hen weekend then you can purchase a policy that will cover everyone in your group.
Most policies will require you to depart from the same country of origin and may include an additional fee for activities that you may partake in on your holiday. This is another reason to really read through the policy before you purchase it.
Taking a holiday is an exciting time. You should not let your excitement turn to anxiety over unexpected delays, illnesses or other incidents. Take the time to learn more about travel insurance cover and ensure that you choose the right policy for your next trip.
