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:

For Single Trip Travel Insurance

For Multi Trip Travel Insurance

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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.
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.
What exclusions on Travel Insurance should you look out for?
In other words, what is NOT covered by your travel insurance ! Never make any assumptions !
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!
Cancellation – if you have to cancel or curtail your trip due to illness, death, redundancy etc.

Missed Departure – through no fault of your own either from or to the UK.

Personal accident – that results in permanent disablement or death.

Personal Public Liability – should you injure a member of the public or damage their property.

Medical expenses - this should include cover for emergency medical treatment, hospitalisation, dental treatment and repatriation.

Loss of passport/driving licence – expenses to cover the cost of replacing either or both documents.

Personal luggage – cover up to specified limits if your personal possessions are lost, stolen or damaged.

Legal Expenses – to pursue damages or compensation for personal injury that occurs abroad.

24-hour worldwide emergency service – to assist with all the arrangements in the event of an emergency.