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There are a number of different types of insurance that you will come across. You will find that there will be an insurance policy to match your particular needs.
1 - Single trip insurance
2 - Annual Multi trip insurance
3 - Backpacker or Long trip insurance
4 - Winter sports insurance
5 - Hazardous Activity – extreme sports cover
6 - Golf Insurance – for golf holidays abroad
7 - Wedding Insurance – for weddings abroad
Travel insurance is often over looked by people when travelling. It is extremely important to have good travel insurance. In most countries you will not be medically treated without insurance. Typical insurance will cover you for a multitude of eventualities, which include
- Cancellation
- Personal Accident
- Medical Expenses
- Hospital Benefit
- Personal Effects – Baggage
- Cash and Documents
- Loss of Passport
- Travel Delay
- Missed Departure
- Personal Liability
- Legal Advice and Expenses
- Hijack
- Business Cover
- Activity Equipment
- Wedding Cover
- Search and Rescue
- Golf Cover
- Winter Sports cover
- Work abroad
Depending on which type of cover you take will determine the areas of which you are covered. You must make sure that you are covered for the activities that you will be doing. For example, typically a backpackers insurance cover will only cover you for incidental extreme sports. This means that you are not covered if you participate in extreme sports over a prolonged period.
You must make sure that you have sufficient cover for the type of holiday you will be going on. Do not over look insurance as you may be left alone and stranded abroad with huge medical bills. Insurance gives you peace of mind that in the event of you getting ill or in to trouble you will be financially backed. Insurance is an essential part of your travel plans!!