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With so many travel insurance policies available, it can be difficult to know which one is best for you. When it comes to single and multi-trip travel insurance, it’s important to know the variations, as it could mean the difference between losing and saving money.
Single trip travel insurance policies are designed for people who only take one or two holidays a year, whether that is a short trip to the Algarve or a three-week jaunt in Japan. Wherever you decide to go, you must ensure that the insurance covers you for your entire trip.
Multi trip travel insurance policies, on the other hand, are for those lucky enough to enjoy more than two journeys a year. These policies are often better value for money than buying single trip cover for each separate holiday you take. Multi-trip policies should allow you to take as many journeys a year as you like, but double-check for any restrictions before you buy.
Moreover, most policies will limit the length of each trip can be (usually between 31 and 45 days). Again, read up on any restrictions before making a purchase, as you don’t want to be left without cover halfway through your journey.
Whatever policy you’ve decided to opt for, there are several things you must take into account before putting down any money.
Where are you going on your travels? This is important to know, as most insurance companies have separate cover for Europe and the rest of the world; some worldwide policies even exclude the US, Canada and the Caribbean, so be sure to check. If you’re unsure what type of cover you need, ask the travel insurance company first.
There are many different levels of cover too, so you need to ensure you’re picking the one that best suits your requirements. You might be working or volunteering during your trip, or participating in activities such as football or snorkelling. If this is the case, you may need a particular type of cover.
Every policy will offer basic medical cover for unexpected or new injuries and illnesses, and we suggest your cover includes at least two million pounds of emergency medical cover and repatriation; although this figure should be closer to £5 million if you’re travelling outside of the European Union.
To ensure you are covered for all medical emergencies, all existing medical conditions must be declared before you purchase travel insurance. If you don’t or fail to check that the policy covers your condition, you could be left out of pocket should you require medical treatment abroad, which can be incredibly expensive.
The cancellation cover must be enough to encompass the pre-paid cost of your trip(s). The cost of emergency items of clothing should also be accounted for in case your bags are lost by your airline, as well as your baggage and personal possessions if they are lost, damaged or stolen.
Remember that once you’ve purchased your policy, you have 14 days to ensure that it’s the right cover for you, so read through it thoroughly. If you have any questions, ask your insurer to answer them as soon as possible.
To get a quote please choose one of the following policy types: