One of the most important things that you must remember to do before you go on holiday is get travel insurance. Why? Well, you will want to have the peace of mind when abroad that you will be covered in the case that something were to happen. Having insurance means any injuries and costly medical bills will be covered, as well as any costs incurred for having to re-book if part of your trip is cancelled (depending on your provider). Here, we are taking you through everything that you need to know about single trip travel insurance.
What Exactly Is Single Trip Travel Insurance?
Single trip travel insurance is fantastic as it will cover you for a single trip that is over your specified length of time. You can choose many different variations of insurance and they will cover you for a variety of outcomes. This can include lost luggage, cancellation costs and any unforeseen medical expenses.
Why Do You Need Single Trip Insurance?
If you are going to be jetting off abroad, travel insurance is absolutely vital. If you are only going to be going away for just one trip (or a very long trip), then single trip travel insurance is the ideal option. This is almost always the most affordable way to cover your holiday and it is important to look into each of the different policies that you are offered, rather than making the mistake of simply opting for the cheapest one as it may not offer enough cover for the trip you are making and all of your belongings. If you are going to be going away more than twice this year on holiday, you may instead want to look at annual multi-trip travel insurance instead.
What Does It Cover?
When you take out this type of insurance policy, it will cover you and anyone else named on it for a whole host of things. This can include emergency repatriation, injury and illness, flight and holiday cancellation and delayed or lost luggage. There are different cover levels available for you to choose from, you will want to look at the minimum amount of medical cover included as well as personal liability, personal money cover and so on and so forth.
What Does It Cost?
The cost of your single trip travel insurance will vary greatly depending on the type of trip that you are taking. The biggest impacts on the cost of your travel insurance are medical history, age, how long you will be away for (if a single trip policy) and lastly the destination of your trip. For example, travel insurance to most areas of Western Europe will be a lot cheaper than insurance to the United States of America. As an example, travel insurance from Staysure can be purchased for a fantastic price and you feel safe in the knowledge that you are being fully covered by a more well-known insurer. Going with an insurer you are more likely to have heard of, just feels less risky.
What Is Excluded From Single Trip Insurance?
There is no blanket answer for what is or isn’t excluded from single trip insurance, but you will find a lot have the same exclusions in common. So, this is always worth double checking before taking out any insurance. One of the more common exclusions that you will find includes taking part in winter sports such as snowboarding or any high-risk sports such as bungee jumping or scuba diving. What’s more, behaving recklessly, unlawfully, or being under the influence of alcohol or drugs at the time of your accident are all possible exclusions from your single trip travel insurance cover.