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Travel insurance is one of the most important things to pack when going on holiday. Wherever in the world you may be travelling – whether a city break in Europe or a jaunt to the other side of the world – making sure you are insured for your journey can help ensure that you’ll be covered should you fall ill or require assistance on holiday.

Basic travel insurance helps to cover you against factors such as flight cancellations, delays to your travel, medical costs should you end up in hospital and lost and stolen baggage during transit. If you’re travelling in Europe it can be worth combining a travel insurance policy with a European Health Insurance Card (EHIC), which entitles you to medical treatment in European countries, for an extra level of protection during your trip.

What Does Travel Insurance Cover?

Travel insurance cover can help you recoup some of the costs of delays and replacements, particularly if you need to shop for new clothes should your case go missing or you need medical treatment during your trip.

There are a number of different types of travel insurance, which help to cover you generally but also offering additional cover for certain activities. When searching for a policy, bear in mind that there are many factors which may affect the cost of your travel insurance policy.

Trip Length

The length of your trip can affect the price you pay for your travel insurance cover, but there are a number of different policy types to help cover various trip lengths, including:

  • Single trip – covers yourself, a couple or a family for the duration of a single trip
  • Annual trip – covers for multiple trips, either to the same destination or to different locations
  • Short Stay – useful for city breaks or overnight stays
  • Worldwide travel – useful for those who are embarking on round-the-world holidays

Group Travel

If you’re travelling as part of a group, either as a large family group or as part of a stag or hen excursion, you’ll need to ensure that everyone in your group has some form of travel insurance cover.

There are a number of different policy types to help save you money by insuring multiple passengers on the same policy, these can include:

  • Family travel – helps to save money by insuring a family on a single policy
  • Group travel – helps to cover a group of your friends, useful for stag and hen weekends abroad

Activity Travel

What Activities Are Covered In A Policy?

Standard travel insurance will help to provide cover if you get injured on holiday and require medical treatment during your holiday. But there are also dedicated holidays to suit a wide range of tastes – from scenic walks to base jumping from cliffs – and there are different types of insurance to cover the risks.

What About Adventure Holidays?

For those who are a little more adventurous during their holidays, normally taken out by enthusiasts of extreme sports and those looking to take a gap year to far flung places:

  • Winter Sports cover – covers activities such as skiing, snowboarding, sledging and husky sled racing
  • Adventure Sports cover – covers ‘modest’ adventure activities; from archery to shallow water scuba diving
  • Extreme Sports cover – helps to cover more dangerous activities such as bungee jumping, caving/potholing, shark cage diving and white water rafting
  • Water Sports cover – covers activities both above and below water, from sailing and kayaking to scuba diving to free diving
  • Backpackers cover – helps to cover backpackers for the duration of their trips

Older Travellers And Medical Conditions

Older travellers, usually those over 50, and those with pre-existing medical conditions such as cancer may find it difficult to obtain standard travel insurance because they are judged to be more likely to have accidents, or they might need specialist medical treatment which may not be as readily available in their destination.

However, there are also policies that help cover those who are older than 65 years of age and have specialist medical needs. Be sure to be thorough as you can during your application for such a policy, including listing any medication or equipment you require, including oxygen tanks.

Whether you’re having a couple of weeks in the sun or a couple of days on a city break, having some travel insurance for when you travel can help to keep you covered should anything happen during your trip.

Looking to get covered during your trip? Let us here at Quotiva do the searching for you. Fill out a few details about yourself and the trip you’re embarking on and we’ll use our network of UK brokers to find you a deal to suit you and your budget.


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