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What are the different types travel insurance and which should you choose?: Travel Insurance policies vary from one provider to another. Generally speaking, the higher the premium, the more comprehensive the cover. However, this isn’t always the case. So you should check the policy to ensure that you are getting the most appropriate type and level of cover.
Is it possible to get cheaper travel insurance for a couple?: Yes, if you and your partner are travelling together, you stand to save even more money with a joint travel insurance policy.
Do you need special travel insurance for ski-ing holidays?: At the very least you should top up standard travel insurance with ski cover - but you are probably better off buying a specialist ski or extreme sports travel policy which gives you more extensive cover.
What should be covered on a standard travel insurance policy?: Most standard insurance policies provide more than sufficient cover. However, it’s well worth noting the key cover features that should be included in your travel policy. These are as follows:
What does the term excess waiver mean?: When you get a quote for your travel insurance you may find that the policy is subject to an excess waiver. This means that you will be responsible for paying the first part of a claim.

Does extreme sports insurance cover you for all hazardous activities?

You are in dangerous territory here. What kind of pursuits you can and can’t get up to will very much depend on your travel insurer’s particular extreme sports cover. If in doubt, look at your policy before you leap!

At one time it was almost impossible to get travel insurance for extreme sports such as paragliding, scuba diving, bungee jumping and mountaineering. Nowadays, there are Insurers that are prepared to cover virtually any dangerous sport you fancy doing on your travels. However, you’ll have to check carefully to find out the extent or level of your extreme sports cover.

More than likely, the basic cost of a typical Specialist policy will include ski- cover but you will probably have to pay extra to cover additional named activities.

As you can imagine with extreme sports and activities, the risks are higher and the medical bills usually are too.

So it’s essential to make sure you are covered before you get an impulse to do any activity from pony-trekking to white-water rafting.

What should be covered by a standard travel insurance policy ?

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