There are different types of travel policy to choose from depending on your circumstances, such as; the length of your trip, who you will be travelling with, how old you are, your health and what activities you will take part in whilst abroad.
Single Trip Travel Insurance
This policy will only cover you for, as the name suggests, a single trip. It can be used to cover an individual, a couple or a family by purchasing a policy before each trip. However, it can sometimes be a more expensive way to get insurance for your holiday, depending on how often you go away and how many of you will be travelling.
Annual Multi Trip Travel Insurance
If you purchase annual or multi trip travel insurance, you will be covered for going away multiple times under the policy, so this cover can often work out cheaper if you plan to travel two or more times per year.
The total number of trips you will be covered for will depend on the policy terms and conditions, but many insurers impose no limit on an annual policy.
The policy will usually last for a period of 12 months, but there may be a limit on how long you can spend abroad in one go; this is usually a maximum of 90 days.
Worldwide Travel Insurance
Whether taking out a single trip or annual policy, it is possible to obtain travel cover for Europe only, Worldwide excluding USA (& sometimes Australasia) and Worldwide including USA (& sometimes Australasia).
The difference in the policy types relates mainly to the cost of medical treatment in both the USA and Australasia.
Worldwide cover may also suitable for a gap year or backpacking trip if it is taken as an annual policy.
Winter Sports Travel Insurance
If you want to go skiing, snowboarding, sledging or any other winter sports, you may need to get specialist winter sports cover. This can be added as an optional extra on some standard policies.
The extra cost relates to the higher risk of accident & injury, medical evacuation and the sports equipment.
Backpackers and students on a gap year trip will usually be abroad for a long period of time, usually between six and eighteen months, and they may well be working as they move from one country to the next to finance their travel. Because of this, traditional travel insurance will not usually provide cover for backpackers.
Insurers will consider your age, the time you are likely to be away and your travel plans, to provide a plan that is tailored to your particular needs. It's important to make sure everything you need is covered within the policy before you leave, as you could easily invalidate your cover by travelling to a destination that is excluded.
Family Travel Insurance
A family travel insurance policy could work out cheaper if you are travelling with your partner and children as it takes the hassle and expense out of having to buy a separate policy for each of those travelling.
Family cover sometimes offers increased cover in certain areas and some insurers also offer free cover for the under 18's and or very young children in the party, so it is definitely worth asking us about this.
Group Travel Insurance
If you are travelling in a party with your friends, such as on a stag or hen weekend, rather than opting for separate cover, it may be cheaper to opt for a group travel policy.
This will cover several of you to travel under one policy as long as you are travelling from the same country of origin and may also include extra cover for typical activities that you might take part in when travelling with a group.
Over 65s Travel Insurance
Some travel insurers may refuse you cover when you have reached age 65, and it is common for the average premium to go up as you get older. We can provide dedicated cover for those over the age of 65 from specialist insurers.
Generally it is more likely that an older person will suffer an illness or accident.
People with Medical Conditions
Generally standard premium rates apply to fit and well people. However, insurers can apply loadings and or exclusions for some pre-existing conditions. We can help you by finding the an insurer who will be pleased to quote.
Specialist Travel Cover
We have mentioned winter sports. There are many hazardous and high risk pursuits. Often if you are likely to partake in any, then many standard policies will not offer cover. We can always source a market for you and like the challenge!
Please note that no comparison website or quotation system offers every available market that may be available to you. Nor can these systems cope with all eventualities. Our quotation systems are very good and are especially helpful for clients to gauge costs as well as have access to instant cover such as our excellent travel & life insurance schemes.
It is always recommended you seek our advice to ensure you have the most suitable cover or product at the best market rate available.