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.

For Single Trip Travel Insurance

For Multi Trip Travel Insurance

Hot Topics

What’s the difference between standard and business travel insurance?: Business trips and pleasure trips involve different risks and the respective travel insurance policies reflect this distinction.
How do you make a claim on your Travel Insurance Policy?: If you need to make a claim, contact the Insurance Company that issued your policy as quickly as possible. You’ll find full details explaining what to do in the booklet that came with your policy. Don’t forget to take the booklet and a note of your policy number with you!
Are there any reasons why I may be unable to claim?: All claims should be honoured by your Travel Insurance Company providing you have supplied correct information and acted responsibly with your personal belongings. If this is not the case, your policy will be void and you will be unable to 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!
What is Form E111 and do you really need it?: Yes, if you are travelling within the European Economic Area, you should get the Form E111, which entitles most UK residents to free, or reduced- cost emergency medical treatment. However, you will still need appropriate travel insurance for complete peace of mind.

If you follow the two links provided by Brokers Online, you’ll find it’s easy to compare the cover features and exclusions of their standard policies

In addition, our insurers offer a range of specialist travel policies that are designed to provide cover tailored to specific requirements.

For instance, if you are going ski-ing, mountaineering, and paragliding or taking part in another hazardous pursuit, you are strongly advised to take a specialist ski or extreme sports cover.

Perhaps, you intend to do a lot travelling in the next year, in which case, you may find annual travel insurance is more cost-effective than taking out a standard policy each time you travel. Similarly, family travel insurance may work out cheaper than insuring each member of the family individually. The same goes for group travel insurance, which provides cover for parties of 10 or more, such as a school trips.

Specialist insurance is also available for backpackers and for the business traveller whose company may only provide the minimum of cover.