Travel Insurance Explained
Do I need Travel Insurance?
Travel can be an expensive business, and it might seem like paying for insurance is an extra cost that you can afford not to pay. This is true, but if something goes wrong with your travel arrangements, or you suffer misfortune while away, the costs can be high indeed. Travel insurance can go a long way to lowering these costs, and the amount you have to pay for decent cover can be very reasonable.
What kinds of Travel Insurance are available?
Policies can cover you for travel either just in the UK or Europe (cheapest), to Australia / New Zealand, or Worldwide. North America is normally included in the 'Worldwide' option.
As well as choosing the area you're travelling to, insurance is available in a variety of basic types:
Single Trip
This is the most basic style of policy, covering you for a typical holiday or business trip that lasts a few weeks or less. This is also the cheapest kind of policy to buy.
Annual Multi-Trip
If you are a frequent traveller, it might work out cheaper to buy an annual policy that will cover you on every trip you make during the year.
Long Term / Backpacker Cover
If you are planning to be away for longer, for example between 2 to 12 months, long term insurance may be a better option. Also often known as Backpacker Insurance, there are usually age restrictions on this kind of cover.
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