When to Buy Single Trip Travel Insurance

If you want coverage for a specific period of time or a specific break, consider buying single trip travel insurance. This is ideal for those who rarely travel out for vacations or holiday. The one more reason why it is popular with many people is that it is very cheap as compared to annual travel insurance.

The type of insurance always depends on the frequency of traveling. If you’re a frequent travel, having journey cover for the entire year is a must to cover all your risks. But if you travel rarely, it is better to buy single trip insurance rather than not buying insurance.

Some people avoid buying journey cover thinking they don’t need it as they travel just once or twice a year. What’s there in store for you, no one knows. What can happen and when, this is beyond human imagination. To keep yourself safe and secure, covering your risk just for 5-10 percent of your total vacation investment is not too much. Rather, it is wise to transfer your journey risks to insurers. Some of single trip policies also offer life insurance and evacuation insurance.

Single trip policies cover only one trip or vacation. They offer almost the same advantages as annual insurance policies would give. The only difference is that the former provide coverage for a particular trip while latter covers the risk all through the year.

Single trip insurance cover includes loss caused due to flight delay, trip cancellation, flight cancellation due to rotten weather, any mishap such as excessive body ache, fever, accident, broken bones, medical emergencies, treatment and medication expenses, doctor’s fee, ambulance expenses, etc. But all these benefits are limited to a single trip. If something didn’t misshapen and it did not come in use, the policy gets expired and can not used again if you plan your travel for the second time.

If you think that buying insurance before traveling is a sheer wastage of money, you need to reconsider. Just imagine what would you do when you lose all your money or luggage while traveling and especially when you’re overseas. It is not at all wastage of money rather protects you and allows you to travel with complete peace of mind.

A Quick Online Guide on Multi Trip Travel Insurance

Traveling overseas is one of the most exciting experiences of life. You spend lot of time, effort and money in planning and organizing a perfect trip. How meticulously you plan your trip, there are still chances of things going out of control. Many unexpected events can occur in a foreign country that can land you in serious troubles. You could fall ill, face a medical emergency or have a flight cancelled. All your money, effort and excitement go in vain. In such a scenario, travel insurance offers you complete peace of mind and a bailout from all such events. If you intend to travel frequently, multi trip travel insurance is an ideal choice as it covers an infinite number of trips carried during a year. The benefit is that you do not need to buy insurance every time you travel. You can purchase travel insurance only once a year and focus on other important activities.

Coverage Included in Multi Trip Travel Insurance

A standard Annual multi trip travel insurance plan includes basic essentials. It can be tailored depending upon the specific requirements of individuals by adding other optional elements.

Basic Essentials

Medical expenses up to a certain amount
Personal money cover
Personal belongings cover (provides cover for loss/damage/theft of baggage, jewelry, passport, laptop, mobile, camera, watch and other important official documents

Optional Elements

Missed, delayed and cancelled departure
Delayed, cancelled and curtailed trip
Medical expenses, hospital expenses, ambulance expenses
Third party Liability Cover
Personal Accident, Injury and sickness
Loss, theft or damage to games equipments
Natural catastrophe cover against flood, heavy rains, volcanic eruption, volcanic ash, tsunami, earthquake, epidemic, fire, etc
Emergency evacuation
Warlike Situation
Ransom, military red alert, terrorist attack

The optional components are not included in a Annual multi trip Travel insurance; rather they can be added in a policy depending upon individual requirements. It is not necessary to include all these elements. The individuals can choose from among them and tailor their insurance policy suiting best their needs and requirements.

Availability of Annual Travel Insurance UK

Annual trip insurance is available for different types of travelers.

Individuals above the age of 18 years
Couples (individual and spouse)
Family with one kid ( individual, spouse and one child below 17 years of age where child goes free)
Family with two kids (individual, spouse and two children below 17 years of age where children go free)
Group of Travelers (a group of travelers above 18 years and below 74 years of age)

Multi trip Holiday Insurance is available for all types of travelers whether they are planning a business, leisure, sports or a honeymoon trip. Even if you combine leisure with travel, the same policy will offer you complete assistance. You need not buy a separate policy for that. If you are opting for business insurance plan, all your belongings including business money, business equipments such as projector, laptop or any other electronic item, business documents and business samples are covered under the same policy. Additionally, you also get a replacement staff cover.

Who Can Avail Annual Multi Trip Travel Insurance?

Annual multi trip travel insurance covers an infinite number of trips carried with the validity period of a policy which is one year or 365 days. It is, in fact, the best insurance plan for individuals who intend to travel frequently. The best part is that it comes with 24 hoursassistance. The policy can be purchased by individuals aged between 18 and 74. Couples, families and groups of travellers can also avail this policy. The standard insurance policy covers medical expenses, personal money and personal belongings up to a certain limit. For having greater coverage, you can customise it depending upon your requirements. It will attract an extra insurance premium amount.

Although annual multi trip holiday insurance covers an infinite number of trips, however, there is a limit to the maximum trip length. It entirely depends upon the level of coverage you have bought. A single trip made with budget and standard cover can last a maximum of 31 days whereas the maximum trip length for premier and premier plus covers can extend up to 45 and 62 days respectively. However, for individuals above 65 years of age, the maximum length of a single trip is limited to 31 days regardless of the level of cover they have chosen.

Once you have made up your mind to purchase an annual travel cover, the next step is to look for a reputed insurance company. Travel Guard fulfils all your specific requirements when it comes to multi trip travel insurance UK. They offer you great coverage at the prices that make your smile. Whether you need an individual cover or family cover, they are certainly the best choice. The best part is that you do not need to visit the company premises in order to purchase insurance. You can simply visit their website and submit your insurance request. Within no time, you will receive an insurance quote that can be purchased online.

However, if you are not clear with the concept of insurance, policy inclusions and other issues like how to make a claim or how to use the emergency contact number, you can seek professional assistance. They are happy to offer you spot assistance.