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Travel Journal Exploring Travel Insurance

The Ins and Outs of Travel Insurance

Sorting out your Travel Insurance can often just be one extra headache too many when you’re already busy planning your holiday. Still, it can be the one thing that brings you peace of mind and, should anything go wrong during your trip, helps to reduce stress and get your holiday back on track as quickly as possible. So it’s obviously important, but can seem dauntingly complicated when you’re faced with the wide variety available, and all the different choices that you have to make. Do you want single trip or annual? What exactly do you want covered? And who, of the many companies out there, can you get the best deal from? In reality, it’s not really all that complicated as long as you know what to look for and what to expect.

So what should you expect to get from your Travel Insurance? These days, companies are very flexible and provide policies that are shaped around your personal needs and the type of trip you are taking. Some of the basics that you should expect to see covered by most Travel Insurance policies are: unexpected medical expenses whilst you’re abroad, cancellation, loss or theft of personal belongings and legal assistance. If you need extra coverage because you’re booking an unusual trip then there are also policies available that will offer more specific coverage. For example, if you are going skiing then you face more risks, and many companies like Go Travel offer a specific ski travel insurance, which has the extra benefit of a 24 hour multi-lingual Emergency Medical Assistance Helpline, which can be accessed from anywhere in the world.

Another thing that can make choosing your Travel Insurance seem overly complicated is the variety of different prices available. It is important to remember that the cost of your policy will depend on a couple of factors: what kind of travel it covers, and how much travel it covers. Always think about how much you plan to travel during the year when you buy your Travel Insurance – if you’ll only be taking the one holiday, then you’d probably be best off with single trip coverage, but if you’ll be travelling a lot then you should consider annual. It’s also worth considering who will be travelling with you, and if this will affect the price of your policy. For example, if you will be travelling mostly as a family then you could benefit from various companies such as AA Travel Insurance and Atlas Direct, who offer to insure children under a certain age for free.

Once you think about the different things that will affect the cost of your Travel Insurance, the whole process really becomes much easier to understand. Remember not to be drawn in by attractive marketing, and always check that the things you need covered are being looked after. All you need to do then is pick the best policy for you, and continue on with your holiday plans, safe in the knowledge that someone else will provide help if there are any hitches.

Policies quoted are correct at the time of writing (22.05.08) and may be changed at the discretion of the product provider.

Travel Journal Exploring Travel Insurance