What type of travel insurance policy is right for me?
With so many different options to choose from, varying levels of cover, and the optional extras that you’ll be offered, it can be confusing to choose the right travel insurance policy for your individual needs.
When selecting travel cover, it will largely depend on the following types of cover:
Single trip
This policy will only cover you for one trip, as the name implies.
Annual multi-trip
If you’re planning more than one trip each year, a multi-trip insurance policy is definitely worth considering, as it will save you time from only having to purchase once and also save you money. Remember to read the policy documents beforehand, as you may only be covered for a limited number of days overseas.
Family trips
This provides cover for your whole family under one policy, so you don’t have to purchase individual cover for each person separately.
Business travel
Business travel can provide added features and benefits if you’re travelling for work. Look out for cover that can help you find solutions for flight delays and interruptions to complete your trip.
Worldwide travel cover
Worldwide cover will be useful if you’re travelling outside of Europe. European travel insurance can be cheaper. Medical expenses can be much higher for countries outside of the EU.
Winter sports travel
If you’re planning a trip involving skiing, snowboarding or any other winter related activities, you’ll need specialist winter sports travel cover. This is because these trips have an increased level of danger and will require unique policy features. Look out for a policy that also insurers any expensive equipment you may be using.
Cruise
This provides cover for activities related to cruise ship holidays. Look out for a policy that gives you additional contents cover for loss or theft.
Couples
This will be for two adults, who are in a relationship and are residing at the same registered address.
Group travel
If you’re travelling with a number of family members and friends from the same country, this could be a suitable option as it will provide cover for the whole group, and save you money.
Backpackers
This may be suitable for students on a gap year or anyone travelling for a longer duration over a number of months.
