Buying travel insurance isn’t always easy so here’s a brief overview to help you choose the perfect travel insurance policy for your holiday and budget.
Single Trip Travel Insurance covers you for one trip at a time and is usually the cheapest option if you travel infrequently. This cover is recommended for both UK and Worldwide travel. Also known as short-stay travel insurance, it’s the most affordable way to get individual, couple, or family cover and is usually restricted to a set number of days.
Annual Multi-Trip insurance could be a cost-effective option if you travel more than three times a year and is a flexible way to manage your holiday cover. You can take a number of trips within the 12-month term of your policy, usually for up to 31 days per trip.
You’ll might also find that you’re covered for sporting or active holidays as standard, although you may have to pay a small additional premium in some cases. This type of cover is ideal if you often like to take advantage of last minute holiday bargains as your cover is already in place for immediate departure.
Long Stay Travel Insurance
If you prefer to escape England’s dreary winter months - if you’re lucky enough to have a holiday home for example, or you’re a gap-year student looking for adventure, then long-stay travel insurance could be the right choice to cover you for extended periods away from home. Also known as ‘backpackers insurance’, long stay cover will generally protect you for travel across multiple countries usually for up to 12 months. Look for policies that offer return home cover, sports cover, cancellation, lost baggage and medical expenses protection.
Group Travel Insurance
Planning a group trip or big family holiday? Look for a group travel insurance policy, which could be easier to manage and much cheaper than taking out individual policies. You can tailor your policy to cover for kit and equipment, sports and excess baggage cover, ideal for bulky golf or skiing equipment.
Standard cover protects the group for cancellation, delays, lost or damaged luggage, medical expenses and emergency treatment, which is invaluable when organising a large group. You’ll all be covered under a single policy for the duration of the trip.