Annual Trip Travel Insurance – Is it Right For You?

There are no guarantees when it comes to accidents or unforeseen circumstances. Therefore, who could be positive that they will not need Annual Trip Travel Insurance?

How sure are you that your trip or vacation will go on without an accident or incident that will require you to postpone the end of your trip until a later time? How sure are you that when on your trip or vacation you will not get injured and require medical attention that would not be covered by your health insurance?

If you are certain that nothing will accidentally happen during your trip or vacation then by all means, do not look into the different Annual Trip Travel Insurance that is available for you. However, if you are living in the world of reality and know that accidents and incidents do happen, then by all means, shop around. Find yourself the most comprehensive Annual Trip Travel Insurance you can.

A note worth mentioning, make sure to compare all the policies available to you. Compare not only the benefits but also the costs and the companies issuing the policies. Make sure you know who you are dealing with and what you are purchasing. If you get taken purchasing a policy, there is only one person you can blame…yourself.

Annual Trip Travel Insurance is a very sound investment. Accidents do happen and you can not be certain when they will or they would not be called accidents. It is a very prudent decision indeed to try to prevent an accident from ruining a trip that you have planned as long as you can afford the insurance.

Look around and choose the Annual Trip Travel Insurance that best meets your needs. You will be glad you did.

How to Know a Good Single Trip Travel Insurance Policy

Not all single trip travel insurance policies offer the same features; while some are outright, honest and transparent, there are those that hide the real state of things – and how much coverage they actually provide – by fudging the wording in the fine print or performing the insurance policy version of a magician’s ‘sleight of hand’ and clever misdirection. To help you easily determine if you’re getting a good policy, here are some areas you must examine.

Medical Expenses

There is probably no single trip travel insurance that does not offer medical coverage, such as providing financial assistance if you encounter a medical emergency during your travels. The difference, however, lies in the extent of the coverage – how much the insurer is willing to provide and how clear are its terms in providing it. For starters, a good policy should provide cover for emergency medical or surgical treatment while you’re abroad, and given the current inflation rate, the amount of cover should be no less than £1 million if you’re travelling throughout Europe, and no less than £2 million if you’re visiting the USA. Of course, this should include cover for getting you back home for the same medical reasons. It is important to note, however, any medical treatment that is not urgent or an emergency (meaning it can be performed when you’re back in your home country) is not usually included in the cover.

Travel-related Cover

Many things can happen between that time you buy your flight ticket and single trip travel insurance and the date of your actual departure, and the best policies out there should provide cover for eventualities that may happen during the said interval. For example, something might arise that compels you to either cancel your scheduled trip altogether or at least significantly shorten it. A good policy would not only provide cover for this, but should also do so for at least £2,000. You should also check out the insurer’s terms regarding missed departure. Do they cover the cost of additional accommodation and other related expenses (this should be at least £500) if you miss your flight (or other means of transport) due to events that are beyond your control, such as an accident or weather disturbances?

Personal Liability

Your single trip travel insurance policy should also protect you from having to pay exorbitantly (or pay at all) for damages you have accidentally caused to others. To illustrate, let’s say you’re on a skiing holiday and somehow you lose control and injure another skier. This aspect of the coverage should be no less than £2 million – even more depending on your destination and what you intend to do while you’re there. On a related note, there are now insurers, such as the UK’s Insuremore, that provide full automatic coverage against acts of terrorism.

The Benefits of Single Trip Travel Insurance

Often, you will want to take a single, short trip and need travel insurance. Buying long term is not necessary and will often cost more, so you may find that purchasing single trip insurance is a better option.

In general, annual trip insurance, while it covers more than one vacation or business trip, covers just the basics. With a single trip insurance policy, you can easily set up your own specifications, depending on the provider. Various options are provided and you can mix and match them quite easily with a single insurance policy.

The ideal candidates for single trip insurance are elderly couples heading out on a cruise, the honeymoon couple taking a break from their jobs to celebrate their union in Hawaii and teens doing a missions trip in Africa, just to name a few. Basically, if you know this is going to be a once in a blue moon thing, leaving the country, you will want to make sure that you only purchase insurance for one trip. This saves you cash that you can easily spend while on your vacation.

Here are a few of the benefits of choosing a single trip travel insurance policy.

Pricing: Single trip travel insurance will be cheaper than multi trip. For anyone who has no plans to take more trips in a year, going with the single one is the best choice.

Trip Cancellation: Your trip may be canceled for any number of reasons, including bad weather, riots, death in the family or any other issue that arises and forces you to cancel. This could be disastrous if you don’t have travel insurance. Single trip insurance can cover this problem and you won’t have to lose all your money on tickets that were canceled. Check with your provider to help you understand all your options in this area.

Medical Evacuation: If you suddenly become ill while on a cruise or traveling elsewhere, you can be evacuated to the nearest competent hospital if needed. For those who are traveling outside of their home country, this can be very useful since hospitals in other countries may not be up to our medical standards. With single insurance, this should be covered for you, but check with your provider, of course, to get all the details.

Lost or Stolen Luggage: Unfortunately, it’s all too common to arrive at your destination and discover that your suitcase has gone to Timbuktu. Rather than losing everything, make sure to purchase a single trip travel insurance that will cover the loss of luggage and make sure that you can replace valuable items like your laptop or iPod.

Lost or Stolen Passport: As you can imagine, it can be pretty bad to lose your documents, such as a passport, overseas. Your insurance will help cover the costs involved with getting a new passport, particularly if it has to be a rush job or a temp passport due to travel timing. This way you won`t have to stress out as much about the cost of new documents.

Single trip travel insurance is ideal for anyone who doesn´t leave home more than once a year. If you are just heading out for a week or so, taking a cruise, attending a business convention elsewhere, etc. you can save quite a bit of money and customize your insurance options with single trip travel insurance.