Not every holidaymaker is alike and neither are their trips, so, there are also different types of Travel Insurance available to accommodate everyone. To make a good decision have a think about what you want from a policy. Today, travel insurance aims to cater to specific types of holiday, which means picking the right package for you isnt all that much of a problem.
For those with the travel bug who visit multiple destinations annually your best bet is to go for an annual policy. Depending on the insurance company you choose, an annual policy should cover you for all your trips in one year, and will generally work out cheaper than single trip insurance if you plan to make many journeys.
If you are taking a gap year, an extended holiday, or if youre just in the mood to pack up your bags and explore the world for a while, it is important that you find an insurance policy that caters to your needs. These days, many Insurance Companies offer Backpacker Insurance’ which covers longer periods abroad and takes into account the additional risks a backpacker may need to consider.
For students, cost may also play a larger part in your decision about Travel Insurance, though you must be sure of what your money covers: theres no use having cheap travel insurance if it doesnt cover what you need.
Families often choose to take just one, memorable group holiday in a year when they can be together. If you do the same, its worth considering the option of single trip cover, especially if you know that will be your one holiday during the year. Many companies also offer to insure children under a certain age for free, which should also help to reduce stress when you’re planning your holiday.
The travel insurance industry has also sought to meet the needs of those who travel to enjoy some winter sports. No matter how good a sportsperson you are, a winter sports break is guaranteed to be riskier than something like a family holiday in a Spanish villa. Winter sports policies focus on covering accidents and medical expenses, allowing you to have fun without stressing over the possible risks and expense caused by an accident.
Unfortunately, insurance is based on risk and so some things like winter sports are going to cost more than standard policies. Youre not likely to break your leg laying on the beach, but you are likely to when youre hurtling down a slippery mountain at blistering speeds.
With so many different travel insurance policies available today, its more important than ever to think about what you need covered in your trip, just to be sure that your policy is tailored specifically to you.