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Travel insurance is a vital part of any holiday planning, and there are now a variety of insurance products out there to cater for all types of travel. Here we take a look at some of the main forms of travel insurance policies.
The internet provides a wealth of information on this subject, allowing you to access even the most unusual of specialist travel insurance policies. The best rates are often found online and by using a handy price comparison website you can search for the cheapest deals very easily.
One way to save if you are frequent traveller is to opt for an annual travel insurance policy. Insurers may require you take a maximum or minimum number of trips each year for you to qualify, but it could work out far cheaper than insuring each of your trips separately.
If you are only planning on going on a single holiday, then single trip insurance is the option for you. You will be covered for baggage loss or damage, as well as for medical costs. The only restriction to look out for here is that some providers will only offer cover for a trip of a certain length of time.
For those going on a gap year, or taking a temporary job abroad, long-term cover is another option. These policies typically insure you for a period of up to 18 months, and many will cover you if you are working too. A minimum stay restriction is usually also I place. Sea cruises can be far less reliable than air travel as long spells at sea leave passengers more at the whim of the weather. Cruises often visit the Pacific and Caribbean islands which are areas more at risk from tropical storms and hurricanes. This means that cruises run a higher risk of cancellation than flights, and specialist cruise cover insures against this higher risk level.
Booking a trip for a group of friends, family, or for a group of work colleagues for a business trip can be made a lot easier by taking out a group insurance policy. Anyone named on your group policy will be covered whether they travel with others in the group or not, and by insuring as a group, costs are lowered as each individual traveller does not have to seek out separate cover.
Businesses around the globe are also now taking full advantage of business trip insurance. These policies have been specially designed for businesses and their employees who need to travel for work purposes. This form of insurance can be combined with annual travel insurance if travel is frequent enough, saving your business even more valuable cash.
By: Neon Glory
The internet provides a wealth of information on this subject, allowing you to access even the most unusual of specialist travel insurance policies. The best rates are often found online and by using a handy price comparison website you can search for the cheapest deals very easily.
One way to save if you are frequent traveller is to opt for an annual travel insurance policy. Insurers may require you take a maximum or minimum number of trips each year for you to qualify, but it could work out far cheaper than insuring each of your trips separately.
If you are only planning on going on a single holiday, then single trip insurance is the option for you. You will be covered for baggage loss or damage, as well as for medical costs. The only restriction to look out for here is that some providers will only offer cover for a trip of a certain length of time.
For those going on a gap year, or taking a temporary job abroad, long-term cover is another option. These policies typically insure you for a period of up to 18 months, and many will cover you if you are working too. A minimum stay restriction is usually also I place. Sea cruises can be far less reliable than air travel as long spells at sea leave passengers more at the whim of the weather. Cruises often visit the Pacific and Caribbean islands which are areas more at risk from tropical storms and hurricanes. This means that cruises run a higher risk of cancellation than flights, and specialist cruise cover insures against this higher risk level.
Booking a trip for a group of friends, family, or for a group of work colleagues for a business trip can be made a lot easier by taking out a group insurance policy. Anyone named on your group policy will be covered whether they travel with others in the group or not, and by insuring as a group, costs are lowered as each individual traveller does not have to seek out separate cover.
Businesses around the globe are also now taking full advantage of business trip insurance. These policies have been specially designed for businesses and their employees who need to travel for work purposes. This form of insurance can be combined with annual travel insurance if travel is frequent enough, saving your business even more valuable cash.
By: Neon Glory