Frequently Asked Questions:
What are the types of Travel Insurance?
There are many different types of travel insurance; all of which can be compared and bought. The most common are:
Single trip travel insurance
Single trip travel insurance is designed to cover you for a single trip that is up to 183 days in length.
Annual travel insurance
If you travel regularly, you could save money with an annual travel insurance policy. You’ll also need annual travel insurance if you’re embarking upon a single trip that’s longer than 183 days in length.
Worldwide travel insurance
Standard travel insurance will generally only provide cover for trips to mainstream European destinations. However, some insurers push the boundaries to include popular destinations such as Egypt and Morocco. If you plan to go further afield – Asia, America or New Zealand – for example, you should look at worldwide travel insurance.
Winter sports insurance
Winter sports insurance is specifically designed to offer protection against the risks involved in participating in high-risk winter sports such as skiing and snowboarding. In most cases, it provides cover for medical expenses, being helicoptered to safety and any specialist teams or equipment that might be needed to evacuate you if you are involved in an accident.
When should I take out travel insurance?
What people often don’t realise is the fact that travel insurance provides cover before you even begin your holiday. For example, a policy with cancellations cover gives you instant protection for financial losses resulting from your holiday being cancelled by the tour operator as well as self-cancellation due to unforeseen circumstances. Equally, where provided, terrorism cover is active beforehand, ensuring you aren’t left out of pocket if an act of terrorism results in you being unable to take your holiday.
With this in mind, it makes sense to ensure you have travel insurance in place as soon as possible, preferably as soon as you’ve received confirmation of your holiday booking. It also reduces the risk of you forgetting about it and subsequently ending up uninsured.
Why do I need travel insurance in Europe if I have the EHIC card?
With Brexit, the EHIC card may not be valid in Europe anymore, therefore holiday insurance will be required for all trips whether to Europe or further afield.