Now, we understand… travel insurance isn’t the most exciting thing to talk about. But it is a must have for anyone looking to travel. It offers you that peace of mind which allows you to enjoy your travels without the worry of ‘what if something went wrong’.
What’s the point of travel insurance?
Travel insurance is a great way to offer protection on your vacation. It can protect you against cancellations, lost luggage, illnesses and health problems. In short terms, it’s a must have!
Different types of travel insurance?
Family Insurance – This is great if you are travelling away with your family! Maybe on a family getaway. Either way family travel insurance is often a cost effective way to make sure everyone has liable cover rather than buying it individually for everyone.
Also, sometimes insurance companies can offer extra cover compared to standard travel insurance so be sure to check out the full terms and conditions!
Single Trip Insurance – This is a very common travel insurance policy as it covers you for the single trip your going on which is perfect if your going for a week away somewhere.
The bonus to this policy is it only covers you for your one trip so you don’t pay more for time you don’t need it.
However, the policy will only cover you for a certain amount of days so make sure to check the limit otherwise you may get caught out if you decide to stay on vacation for another few days!
This type of policy can often be referred to as ‘Short Stay Travel Insurance’ so don’t get mixed up because of the names!
Long Stay Single Trip Insurance – If you’re heading away for a longer period of time, then long stay insurance could be you best bet! This offers valid insurance for far longer than any other policy… most Long Stay Single Trip policies will cover you for up to 18 months! Perfect if your taking a gap year!
Annual Multi-trip Travel Insurance – If your a keen traveller, and you plan on travelling more than a couple of times per year then this could be the best policy for you!
The way this policy works is through paying a one time fee, and then you are insured for as many trips you make during a 12 month period. If you want to travel around and visit lots of different countries in a year then definitely check this one out!
Adventure Sports Travel Insurance – If your an adrenaline enthusiast and plan to take part in some extreme activities, make sure you check the cover in the different policies as lot’s of standard insurance policies exclude extreme activities so you may need to have specific insurance for that extra fun you might want on your time away. Things like quad biking, bungee jumping and rock climbing are all extreme actives that some insurance providers might not cover for!
Now we’ve listed a few different types of insurance polices. We wanted to mention a few things to look out for.
Firstly, what your actually covered for. Make sure to read through the terms and conditions and ask if you are unsure.
Secondly, the excess. The excess if the amount of money you will have to pay towards a claim. Make sure this is the same when comparing quotes otherwise it won’t be a fair comparison as your quotes will often differ based on how much the excess is.
That’s everything for today! Make sure to refer back to this when sorting out your travel insurance to ensure you find the right policy for you!
Charm Travel 