Because no holiday maker is the same, and nobody’s holidays are the same, there are also different types of Travel Insurance available to accommodate everyone. The question is: what should you be looking for in your Travel Insurance? These days, policies are very specific to allow for variety, so it shouldn’t be difficult to find a policy that is right for your travel needs.
If you are a frequent traveller, exploring many different locations each year, your best bet is to go for an annual policy. Bearing in mind that cover from different companies will vary, this should be able to cover you for as much travel during the year as you want, 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 have itchy feet and want to get lost in another country for a bit, 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. Cost can also be a major factor for student travellers, though you must be sure of what your money covers: there’s no use having cheap travel insurance if it doesn’t cover what you need.
Many families settle for one significant family holiday.. In this case, you may put thought into considering whether or not you’d be better off getting single trip insurance rather than annual, especially if you don’t think you’ll be venturing off again during the year. Many companies also offer to insure children under a certain age for free, which should help to reduce stress when you’re planning your holiday.
Many insurance companies have also recognised a need for a different type of policy to cater to people wanting to travel for winter sports. Even if you’re the best sportsperson this side of the equator, there are always going to be greater risks involved in a winter sports break than in, for example, a holiday by the beach. Policies will put more emphasis on accident and medical expenses cover, letting you enjoy yourself without having to worry about what might go wrong and how much it could cost you.
In a period where there are a multitude of travel insurance policies to look at, it’s always worth taking the time to consider what’s best for you and your holiday, just to be sure that your policy is tailored specifically to you.
