Holiday
Insurance and Travel Insurance
It is easy to forget that we have a National Health Service in this country,
funded by tax payers, that pays for our medical treatment. Many foregin
countries do not have such a system and medical treatment has to be paid
for by the individual receiving the treatment. This is one of the reasons
why holiday insurance or travel insurance is so important. If you travel
throughout the year, it may be worth condidering an annual travel policy.
What does
holiday or travel insurance cover?
This
depends on the exact terms and conditions of your particular policy, but
generally it includes:
Cancellation of, or cutting short, your holiday
Delayed or missed connection(s)
Loss or theft of your belongings while you are away
Third party liability
What types
of holiday and travel insurance are available?
In common with other insurance products, there are a number
of different types of policy, these include:
Single
Trip Insurance
Whilst
it is not currently compulsary to have travel insurance, it is highly
recommended.
Single trip travel insurance usually covers the items listsed above (under
the heading What does holiday or travel insurance cover) such as a stolen
purse or wallet, an accident or an illness whilst you are away, and damaged
or lost luggage.
Annual
Travel Insurance
If you travel more
than once a year it may be worth considering an annual travel insurance
policy as it will often be cheaper than paying for single trip travel
insurance each time you travel. It also means that there is no need to
arrange cover for each journey you take. Although most annual or multi
trip travel policies allow you to travel as many times as you wish each
year, there may be a limit on the length of each trip.
It will probably be
possible to cover the whole family under the annual travel insurance policy
too, which may save a great deal of money compared with insuring each
person under a seperate policy.
Other
types of travel insurance
Other types of travel
insurance include, but are not limited to, winter sports travel insurance,
backpacker travel insurance, over 65 holiday insurance and sporting holiday
insurance.
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