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Travel Insurance

The different types of travel insurance, explained

Shopping for overseas travel insurance can often seem like a minefield, with many people deciding they won’t purchase it – either because they don’t think it’s necessary, they’ve never had to use it before, or they think the process is too complicated. Nowadays, with insurance comparison sites and quick application processes, it’s easier and more affordable than ever. There are a few different types of travel insurance policies out there, so make sure you get the right one for you.

Single Trip Travel Insurance

If you’re heading to one destination for a set amount of time, then this is the type of cover you would get. Single trip travel insurance is the most basic of policies and can cover you for a variety of different events, up to a certain level of expense, depending on what you want to be covered.

Annual Multi-Trip Travel Insurance

If you travel on a regular basis, for business or leisure, then it makes the most sense to buy an annual multi-trip policy. It’s more cost-effective and less time consuming than having to buy single trip travel insurance every time you go away. It’ll cover multiple destinations over the course of the year and can either cover European, Worldwide or Worldwide, excluding the USA, Canada and the Caribbean.

Winter Sports Travel Insurance

If you’re going on a skiing holiday or heading somewhere where you’re going to take part in a winter sports activity, then you’ll need winter sports travel insurance. These types of activities are considered riskier than those included in other policies, as there are unique situations you could find yourself in, such as avalanche delays, piste closures or serious injury.

Backpacker Travel Insurance

A backpacker policy covers you if you’re heading away for a longer period of time and jumping around between destinations. It’ll often cover you for a wider range of activities too, such as skiing and white-water rafting.

Family Travel Insurance

A family travel insurance policy covers up to two adults and eight children of the same family, provided the children are under 18 years old. This is a more cost-effective and easier option than buying separate policies, and you can purchase a single or annual trip cover.

Cruise Travel Insurance

Just like winter sports coverage, cruise travel insurance covers you for unique situations you can find yourself in with a cruise holiday. You’ll often be visiting multiple countries for an extended period of time and can experience things such as missed port departures and itinerary changes.

Over 65’s Travel Insurance

Those over the age of 65 are usually more likely to need urgent medical attention while they’re away, so the over 65’s travel insurance policy often covers extra expenses – occasionally allowing a companion to be added to the policy.

Whatever type of visa travel insurance policy you purchase, be sure to declare any pre-existing medical conditions when applying. This will often increase the price of your policy. However, it is a small price to pay for peace of mind and an appropriate level of cover.

To find the best travel insurance for your trip, head to Compare Insurance today.

Photo: Free image by Pixabay
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Travel Insurance

Travel checklist: things to do before going on a trip

Are you planning a trip abroad at some point in the future? We bet that you’ll want a holiday somewhere soon! If that’s the case, make sure that you refer to this travel checklist for some useful tips of things to remember.

Pack appropriately for the destination

Of course, everyone packs their case before a trip, but try to do some research into the destination that you’re visiting and make sure that your case is full of appropriate attire and gear for the destination! For example, if you are going trekking in the jungle, you will want to make sure that you have mosquito spray. or if you’re going backpacking get backpacker travel insurance But if you are visiting the UK, you should pack an umbrella!

Pay all bills that you need to before going away

Nobody wants to have to negotiate an unpaid bill while on holiday. Ensure that any outstanding bills are already paid before you get on the plane and try to pay some in advance if possible. Make a detailed list of when your electricity, gas, water and internet bills are due, so you don’t forget any.

Turn all plugs in your house off

Make sure that you turn off anything that you can before going on holidays, such as plugs and lights. You will obviously need to keep some things, like your refrigerator, plugged in, but everything else should be turned off completely and not just left on standby. This will help you save some money on your insurance policy.

Keep updated with current affairs at your destination

This has become more important since COVID began, but it’s always a good idea to keep updated with current affairs before travelling somewhere because they can affect your entry requirements. In the lead up to your trip, check for any incidents of note or any border changes. If you do see anything worrying, contact your airline.

Make sure that you have insurance

Every time you go travelling abroad, you should have travel insurance. You can compare travel insurance plans and find the best one for you here.

If you’re looking for a travel insurance policy that works for you, get in touch with our team at Compare Insurance today.

Photo: Free image by Pixabay