Travel insurers know that every traveller is different, and every holiday is different. Below are some of the key factors that you should consider before you buy a travel insurance policy. It is important that you answer your insurer's questions to the best of your knowledge as not doing so may lead to problems in the event that you need to make a claim.
How comprehensive?
Policies will provide cover for different eventualities, have different cover limits (the maximum an insurer will pay for a type of claim) and different levels of excess (the amount you have to pay on a claim before your insurer pays). Policies that provide more cover and/or lower excess amounts may be more expensive, but can offer greater protection.
How often do you travel?
If you travel two or more times a year, you may want to consider buying a multi-trip policy which is usually issued for a 12 month period. Single trip policies may be more cost effective, even if you travel multiple times a year, if you are an older traveller or have a medical condition.
How long are you traveling for?
Multi-trip policies often only cover a limited number of days for each trip
and may have a maximum number of days’ total travel over the course of
a year. If you are nearing the maximum number of days allowed, you can
often speak with your insurer about extending your cover
