Travel insurance protects you against financial and other kinds of losses you might face while travelling in your own country or abroad. You can get it when you book your trip and get it for the exact length of your trip, or you can get it for a longer time. You can buy continuous travel insurance through a travel agent, a travel insurance company, a cruise line, or a tour operator.
Here are some of the most common things that travel insurance covers:
- Cancellations or shortening of trips;
- Flights and other forms of transportation leaving late;
- Loss, theft, or damage to money, personal items, and travel documents;
- Lost or late baggage;
- Medical bills/being sick;
- Evacuation and return in case of an emergency;
- Overseas funeral expenses;
- Benefits for death, injury, or disability caused by an accident;
- Legal help for needs related to travel;
- Liability for the person;
- Loss of income because of something else.
Some travel insurance companies offer travel policies that give you extra coverage for an extra cost. But these costs vary a lot from one carrier to the next. Here is a list of the extra insurance coverage that you can buy for a fee:
- High risk sports (e.g. bungee jumping, scuba diving, sky diving);
- Go to countries where there is a lot of danger, like those with civil wars or natural disasters;
- Travel with health problems you already have (e.g. asthma, diabetes, heart conditions).
You can choose from different types of policies based on your needs. If you travel more than twice a year, you can get an annual holiday insurance policy instead of two single travel insurance policies. Some of the most common types of insurance are:
- Cheap Insurance for a Single Trip. Ideal for people who only take one big trip each year. It covers single trips that last from 3 to 183 days and can be taken at any time of the year.
- Annual Multi-Trip Cheap Travel Insurance. This holiday coverage is good for you if you travel more than twice a year. You will not only have more freedom and peace of mind knowing you are covered for every trip, but you will also save money. You can take as many trips as you want that last up to 45 days each.
- Cheap Travel Insurance for Backpackers. This type of insurance is good for students and backpackers who want to protect themselves. Traveling to countries you don't know and places where you might not even speak the language is risky, but if you have a travel policy, you'll know that if you get hurt or sick, you'll be able to get the medical help you need. It usually covers trips that last between 31 days and 18 months. Some insurance companies will also cover up to 40 adventure sports.
Ski/Snowboard, Senior Citizen, and Long Stay Travel Insurance are some of the other types of travel insurance. Choose the best one for you, make sure you're covered, and enjoy your vacation without stress!
