Travel: Packing the Right Insurance

by : David Collins

Choosing the right destination for your holiday can be important depending on the season, but selecting the right travel insurance policy for your journey can be more important. There can be huge differences in price and features of a selection of policies.

For some, buying travel insurance at the same time as booking the holiday itself can be an easy option and allow the chance to get everything sorted before the holiday itself.

However, this method is not necessarily the best choice. Some travel agents offer cheap travel insurance during the booking process, but this may not always work out as being the best deal as you may not be getting the right kind of cover.

There are a range of policies that can be tailored to meet the needs of your holiday. These can range from 'single trip' policies that can be arranged for just one holiday to policies that offer cover for multiple trips.

If you're a regular traveller, you can pay a little extra and arrange annual travel insurance to cover a number of trips throughout the year - which can prove to be a cheaper option than buying separate policies for each trip.

There are a number of factors to consider when selecting a travel insurance policy:

  • Location - different destinations pose different risks, which means selecting the right policy with the right features is important in ensuring you are covered should anything happen during your trip.

  • Distance - long-haul destinations can be expensive, so it's best to shop around and consider the amount of money policies will pay should you need medical treatment or be required to fly home because of ill-health.

  • Check for conditions regarding hospitals during your trips; check the small print to ensure that there are no conditions in where you can be treated. A few words could make a big difference, and it could mean you have to travel hundreds of miles to a hospital to receive treatment.

  • If you're planning a holiday that involves sport or other adventure activities such as skiing, check that your policy covers not only yourself, but your equipment if you are taking your own.

When it comes to selecting a policy for your holiday it pays to shop around in order to find a deal tailored to meet the needs of your holiday - whether you're going to catch some sun or go skiing.