There are plenty of different travel insurance policies you can pick from. Depending on the duration, number of people and the coverage, travel insurance is simple to assess and very handy for holidays, business trips or any overseas adventure.
Travel insurance can be annual or single trip. The single trip travel insurance is for one journey, while the annual is multi-trip. The annual insurance provides coverage for the whole year, for all your trips and is convenient if you travel a lot or do not like to go through the whole process of arranging insurance every time when you go away. Different annual travel policies also offer different coverage – some offer for the whole trip, and some will only cover the first 21, 35 or 45 days of each trip.
Once you choose annual or single travel insurance, you may want to consider how many people will travel with you. Is it only you, or your spouse and children as well? Instead of buying a policy for each person, it is cheaper and easier to get family travel insurance. Check different policies – how many children are included, are there discounts for bigger families? If you are a single parent, you might be able to get a special offer. However, any child over 18 years old will need individual insurance, and will be treated as an adult.
In case you are a business traveller, there are plenty of good business travel policies to choose from. Most of them are annual and offer coverage for laptops and other office-related equipment. That type of insurance is very specific for business trips, so most of the insurance companies offer colleague replacement cover – your colleague can go instead of you, if you are unable to go for some reason.
People over 65 are often a neglected category when it comes to travel insurance, since they have been categorised as “higher risk”. However, the number of travelling retired people is huge – and there are plenty of good travel insurance policies for them as well, including bigger allowances for emergency and medical expenses.
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