Travel insurance is the one thing you shouldn't consider travelling without. It should be right at the top of your 'to do list' when arranging your holiday. Failing to be sufficiently covered by travel insurance could potentially cost you thousands of pounds in medical expenses and untold stress.
It's a relatively simple thing to arrange and with a bit of searching it needn't be that expensive. There are a number of different types of cover available:
• Annual or Single
This is fairly self-explanatory; single-trip travel insurance will cover you for one specific holiday; annual travel insurance will cover you for several holidays over the course of a year. So, if you're planning on having a number of holidays in one year it's wise to opt for annual travel insurance. You can make quite large savings in comparison to booking single-trip cover each time you travel.
• Family Travel Insurance
This policy will allow you to insure both parents and children together. They avoid the hassle of taking out individual policies for each person and they are a great way of saving money, especially if you have a large family.
Family travel insurance can start from a little as £50. It's important to check the policy terms carefully to make sure it meets the needs of your family.
• Backpackers Travel Insurance
Backpackers or gap year travel insurance specifically caters for those who intend to travel for longer periods of time. They offer special features, with some companies covering most sports activities at no extra cost and also discounts for couples. They normally offer insurance that will cover you for up to 18 months but some companies have age restrictions. If you fall outside the age barrier, then you could opt for long stay insurance, with some companies offering holiday insurance that covers you for up to 2 years.
• Business Travel Insurance
Business travel insurance caters for the needs of those who travel regularly with work and is generally only available as an annual policy. Office related equipment such as PDAs and laptops are covered with some policies also covering sports equipment such as golf clubs.
When you are looking for a travel insurance do make sure medical treatment and medical evcuation are covered in the insurance plan. People look over these elements, when it is probably the first thing you should look at. Especially travelling overseas.
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