Get a travel insurance policy that suits you!

Travel insurance - red passport

 

What type of travel insurance should I buy?

The main thing on every traveller’s checklist, after passports, travel tickets and ensuring that you have all of your kids accounted for in the car, should be travel insurance. Whether you end up standing on a jellyfish in the blue waters of some tropical island or breaking a bone on some whiter than white ski resort, it is comforting to know that your hospital visit will not end up costing you a lot of money!

In today’s ever-changing world, it is vitally important to ensure that you are covered for the obvious and the not so obvious, from the seemingly annual environmental catastrophes like overactive volcanoes pumping out blackened ash to sudden snowfalls disrupting flights. And of course, there is the inevitable risk of your plane being delayed for one of a possible hundred dozen reasons.

The risks are endless and could affect you, your partner and kids or your business colleagues. So it is imperative that you know precisely what your policy does and does not cover and whether or not you can take out additional cover to protect yourself against specific activities, such as winter sports, golf, cruise or business trips.

The more research you carry out into the various travel insurance policies that are available, the more you are likely to save and the more suitable the coverage. Figure out the type of cover that is the best match for the kind of trip you intend on making. Sun worshipping, hiking or skiing trips, whether you intend taking one or more trips and whether your trip or trips will be short or long visits will all impact on the cost and type of policy.

The kind of travel insurance you need will depend on the duration and frequency of your trip. The most common travel insurance policies are covered here:

Backpackers travel insurance

Students and long-stay travellers will be particularly keen on backpacker travel insurance. This policy should give you an extended duration of coverage, anything from a few weeks to up to two years.

Single trip travel insurance

The most common cover is a single trip travel insurance policy. This policy will cover you or your family going on a once-off trip, such as for your annual holiday.

Annual travel insurance

More suitable for a frequent traveller, who typically takes more than one trip per year are the multi-trip travel insurance or annual cover packages.

Winterport’s cover for skiing and snowboard trips

For risky types of travel, like a skiing holiday, insurance companies tend to have a particular tailor-made policy, for instance, winter sports travel insurance.