What is the best travel insurance for you?
espite many people thinking that they will never need to make a claim, travel insurance is something that anyone going on a trip should have as it makes sure you are covered in the event of a whole range of emergencies.
As there are many different types of travel insurance available, selecting the correct policy to match your needs can be a bit if a minefield, so which one is right for you?
Annual insurance
If you’re a travel enthusiast who enjoys several holidays a year, multi-trip annual travel insurance could be the perfect policy for you. As the name suggests, this covers you over the course of a year and insures individuals for an unlimited number of trips, although the trips will generally need to be for less than 90 days at a time. If you travel regularly, this type of travel insurance certainly helps to ease your administration burden if you know you’ve already got your insurance sorted.
Backpacking
For those looking to take a ‘gap year’ and set off on a backpacking adventure, there are plenty of special backpacker’s travel insurance packages that you could take advantage of. Specialist insurance such as this usually covers trips for between 31 days and 18 months, taking account of the fact that people vary the length of their trips considerably. This is a good type of travel insurance for backpackers as it covers a wide range of sports you might participate in during your time away as well as a number of optional extras that can be added to your cover if you need to.
Single trips
If you’re someone who just goes on the occasional trip, such as a beach holiday or city break, travel insurance for single trips could be just what you’re looking for. All you need to do is specify the dates of your trip (normally between 3 and 365 days) and you should be able to get cover for that period. As well as the standard cover such as healthcare, baggage, money and emergency assistance, you can also get extras such as sports cover depending on what you plan to do on your trip.
Adventure holiday
If you’re going on an adventure holiday, there are a couple of travel insurance policies that might be right for you. If your adventure is part of a backpacking trip then backpacker’s insurance with added extras for various sports might be a good option. If the trip is a one-off then single trip insurance with added sports coverage could be a good idea: if you’re in doubt, check with your holiday insurance provider to find out which policy would be best for your needs.