Planning a trip isn’t always straightforward, but with our comprehensive guide to travel insurance you can skip the headache and find out exactly what you need from your insurer.
What
is travel insurance?
Travel insurance covers you against any
cost or losses if something should go wrong when you’re on holiday. Whether
you’re travelling abroad or in the UK, travel insurance helps you if your plans
are disrupted or your accommodation (Hotel Booking)gets
cancelled, and is essential in the event that you injure yourself or your
possessions are stolen, lost or damaged while travelling.
What
types of travel insurance are there?
There are plenty of specialist types, but
by and large when you buy travel
insurance you choose one of three options:
• Single trip:
This covers you for a single trip for as long as you’re away
• Annual multi-trip:
This covers you for a full year, allowing you to take multiple holidays without
rebuying insurance – as long as you go to the destination(s) declared
• Backpacking:
This will cover you for an extended period to multiple destinations
The cost of travel insurance changes
according to lots of factors, such as where you’re going, how long you’re away
for, your age and any extra cover that you require. A person in their 20s
visiting France for a few days would expect to pay five or six pounds, but a
retired couple on a round-the-world tour could pay 10 times that or more.
If you’re planning to take multiple
holidays in a single year, annual travel insurance is the more economic option.
On average, this type of policy is cheaper if you take three or more trips
around the world – though prices differ according to whether you visit the USA,
Canada or the Caribbean.
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