Travel Insurance

Everyone wants their holiday to go as smoothly as possible. But no matter how through your planning is and how many things you have taken under consideration, there is always the chance of something going wrong. Even if you are the most careful person in the world, you can still get into trouble by other people or just unforeseen circumstances. What if, for example, the airline company loses your luggage? Or your passport or other personal item gets stolen out of your hotel room? You or one of your travelling companions can get ill or need emergency medical assistance for reasons that could not have been foreseen. Or something happens that force you to abort or cancel your trip? In all of these cases, you will have enough to worry about without the financial problems that come with it. Therefore, it might be useful to take out a travel insurance policy to cover your trip. But since there are many different kinds of travel insurance covers, you could probably use an overview to help you out.

Single Trip Travel Insurance

If you go on holiday only once or twice ever 5 years, you can make do with a normal single trip insurance policy. This policy covers just the one trip you will take at a certain time to a certain place. They will help you out when you need to visit a local doctor or are in need of some medication. They will help you out when your luggage is lost or stolen or when an airline company makes a mistake. And you will get back at least some of your holiday money when you need to cancel your trip. You can take out this policy as an individual, but you can also take out a couples insurance or an insurance for your whole family or group. Insurance companies that offer these kind of policies are Insurefor Travel Insurance and Post Office Travel Insurance.

Annual Multi-Trip Travel Insurance

When you travel a lot for business or leisure, you might benefit from an annual multi-trip travel insurance. This insurance policy covers the same things that a single trip travel insurance covers. The only difference is the duration. While most single trip policies only last for a month or three at the most, an annual multi-trip insurance will cover all of the trips you take within a year. It does not matter how many trips you take, this policy will cover them all. They are often covered by the same companies that offer single trip insurance.

Additional Holiday Insurance Covers

There are just some trips and holiday activities that your normal insurance policy won’t cover. Ski trips, for instance. Winter sports in general are often not covered by your normal insurance policy. This means you will need to take out an additional winter sports cover. The same goes for cruise holidays or when you go backpacking for a few months. Also diving, golfing, snowboarding, ice skating and other risky sports need an additional cover. And there are also special insurance policies for people with a pre-existing medical condition. Medical Travel is a company that focuses on this group or people.

Good luck finding the right policy for you and your travelling companions. But don’t forget that a lot of bad situations can be avoided with some vigilance, watchfulness, old-fashioned common sense and some thorough preparation!