Travel insurance buying guide
Here we try to give you the low down on travel insurance in a simple, jargon free guide, to make sure you know everything there is to know about travel insurance, and, most importantly, your travel insurance policy.
Many of us don’t consider travel insurance as an essential holiday must. Passport – check, money – check, but why not travel insurance?
In the event of you falling ill or finding yourself involved in an accident, travel insurance could protect you and cover losses and expenses incurred whilst away on our holiday. What many people don’t realise is that if you were unfortunate and had to be hospitalized, or even needed to be returned home by air, the cost of this could run into the thousands.
Without having insurance, the cost of this would be on you, and more often than not required to be paid up front.
What types of policies are there for me?
Here, we have broken down what policies are available to you by listing them into the following categories:
Single-trip travel insurance
Policies for a single holiday or trip are those where you have insurance for one trip only, for example, your week away in the summer, or a city break. It will be the cheapest option as well as the most convenient for you. These types of policies will usually cover you for the specific duration of your holiday.
Annual or Multi-trip travel insurance
Annual travel insurance, otherwise known as multi-trip travel insurance, provides cover for a 12 month period. If you are a frequent traveller or have a year of where you know you have more than say 2 holidays or trips planned, you may want to consider this type of policy to be the most cost effective for you. Many policies have a maximum length of stay per trip. This varies between providers but typically they can be between 30 and 45 days.
Backpackers travel insurance
Whether you’re actually going to have a backpack with you or not, to be going “travelling” will be the best option policy for you. If you think you are going to be doing the common adventure seeking activities whilst travelling the globe, you want to make sure you are covered for such thrill seeking events. Backpacking policies can cover trips of up to 18 months in length and include cover for over 50 sports and activities. If you think you will be doing anything more extreme, you may want to actually talk to an advisor to see what the insurance would be covering.
Cruise travel insurance
There are specialist insurance policies for cruises, which also includes extras for things like missed port departures, itinerary changes, unused excursions, just to name a few. Some policies have no upper age limit as well as considerations for any medical condition.
Over 65s travel insurance
We are firm believers that your age should not restrict your travelling, so that is why we make travel insurance available to as many people as possible. There are no upper limit restrictions and we offer full comprehensive travel insurance.
Winter sports travel insurance
Getting travel insurance in general for winter holidays, such as skiing can be costly, which is why we have a policy in place which is designed for you thrill seekers on winter activities. To run you through just a handful of winter activities we cover, they include; Bobsleighing, cat skiing, freestyle skiing, glacier walking or trekking under 6,000m altitude, ice climbing under 100m, ice hockey, skiing, snowboarding, snowmobiling and tobogganing. And there are many more to follow those.
How do I know what is right for me?
The simple answer to this is that you may not know which cover is right for you. This is why we would like to help. Travel insurance varies a great deal across providers and price brackets, so it’s important to check the small print before buying to ensure you have the right cover for your needs.
Although levels of protection will differ you should expect medical expenses to be covered as standard, but policies can also help you out with other things such as lost baggage, cancellation, delays and personal liability.
What if I have a pre-existing medical condition?
If you have a pre-existing medical condition it may be more difficult or expensive to arrange cover, but in many cases it should still be possible to find a suitable policy.
When you compare insurance providers it’s important to be clear and honest about any illnesses – it may be difficult to tell strangers about any sensitive conditions, but this will ensure your cover is tailored to your needs.
Buying travel insurance can sometime feel like a holiday chore, we understand that, so we have teamed up with Insure and Go to allow you hassle free insurance. You can also call our UK based contact centres on 0800 080 6376 (Lines are open Monday to Friday 10.00 AM – 4.00 PM excluding Bank Holidays) who can talk you through all levels of cover we offer.
- European Health Insurance Card – What is it and how to get one?
- A guide to getting travel insurance with pre-existing medical conditions
- What is single trip travel insurance?
- Backpacker travel insurance guide
- Travel insurance for pregnant women – what you need to know
- Travel insurance guide for diabetics
- Does having asthma affect travel insurance premiums?
- Is it worth getting a joint couples travel insurance policy?
- Do I need specialist travel insurance for a golf holiday?