Travel insurance is not there just to cover you if you’re ill, it can protect you in a number of ways.
- Cover if your airline goes bust.
- Emergency cash transfer if your wallet or purse is lost or stolen.
- Business travel insurance quote.
- 24-hour worldwide assistance.
- Up to £10 million cover for medical expenses.
- Cover for children for independent travel like school trips.
- Up to £7,500 paid if your trip is cancelled or cut short.
- New-for-old replacements as standard (with the exception of clothing).
- Up to £300 total valuables limit to replace your stolen or damaged items.
- Cover against delay, cancellation or being stranded abroad due to natural disasters.
You might be tempted to buy the cheapest travel insurance you can find, without understanding what it covers, leaving you financially responsible for the costs of medical treatment, emergency flights home, replacement luggage or additional hotel bills if the worst happens whilst abroad.
We will take the time to find out not only about this trip, but your circumstances and future travel plans to assess and recommend the best and most cost-effective travel insurance policy for you.
Most standard travel insurance policies don’t cover certain sporting activities like scuba diving, bungee jumping or white water rafting so it is important to check all your planned holiday activities are covered.
Single trip travel insurance
These policies cover a single trip by an individual, a couple or a family, but it is not always the most cost-effective, depending on the number of people traveling and how often you’ll be travelling.
Annual multi trip travel insurance
If you intend to travel more than twice a year, this kind of policy often works out cheaper in the long run than a single trip. It usually lasts for a year; the standard limit for any one trip is 31 days, but we can extend this depending upon your requirements.
Worldwide travel insurance
You can buy travel insurance that just covers travel in Europe, but if you are visiting America or Australia and New Zealand, for example, you will need to get worldwide cover because of the costs of medical treatment in the USA and Australasia.
Winter sports travel insurance
Standard travel insurance will not cover accidents while participating in winter sports, so if you are going skiing or snowboarding, you need specialist winter sports cover.
The risk of injury is higher, as is the possible cost of a medivac from the mountain side, and you are more than likely to have expensive sports equipment, so premiums may be higher than standard travel insurance, but the right cover is essential.
Over 65s travel insurance
It is possible to get dedicated cover for those over the age of 65. Some insurers may refuse cover, and because of this premiums can be high, so it is essential to get expert advice on the different policies available.
Backpackers, gap year Insurance
Backpackers and gap year students will be away for six months to a year, and will be travelling and working in many different countries, so standard travel insurance will not usually be sufficient. It’s important to find a policy that suits your plans, as travelling to a destination that is excluded from your policy will invalidate your cover.
Pre-existing medical conditions
Most insurers will not cover pre-existing medical conditions, but we may be able to find you the cover subject to full details.
Get in Touch
Whatever type of trip you are planning: a wedding abroad, a cruise or simply a golf trip, why not give us a call and tell us your travel plans? With many types of travel insurance, single, multi, worldwide, group, family, backpackers, over 65s, winter sports, we will ask the right questions and recommend the best policy for you, giving you complete peace of mind.