Benefits of choosing annual travel insurance
Benefits of choosing annual travel insurance
For most travellers, buying travel insurance means choosing between single trip and annual cover. Both types of policies usually offer the same benefits - for example, personal possessions, cancellation, medical expenses, personal accident and loss of passport cover - and neither often covers winter sports holidays as standard. Nevertheless, annual travel insurance has many benefits over single trip insurance that make it a much more attractive purchase, especially for a frequent flyer.
Firstly, annual travel insurance provides cover for a period of 12 months. During this period, policyholders are covered for any trip that they take that does not exceed a specified number of days, usually 30. So if you take several holidays a year, annual travel insurance represents a sound investment as you will be covered for every trip you take during the year. Some insurers also offer their annual travel insurance policy holders a direct debit option, so when their policy expires it is automatically renewed. This feature may provide forgetful holidaymakers in particular with peace of mind in knowing that they won't be caught short abroad without cover.
Annual travel insurance is also worth considering if you only take one holiday overseas annually, but travel extensively at home throughout the year. This is because, while many people don't consider domestic holidays an insurable option, it's still important to make sure that you are covered for travel disruption and personal accidents. What's more, the cost of insuring a holiday outside Europe that lasts 30 days on a single trip policy is likely to cost around the same amount as an annual policy - so even if you don't have any extra trips planned over the coming year, you'll know that you're covered should a last-minute holiday deal arise.
When you're applying for annual travel insurance, there are a few things to bear in mind. Most importantly, make sure you're honest when filling out your application. For instance, don't lie about your age. Some insurance providers will only provide cover for people up to the age of 65, while others may charge different premiums for different age groups. The same applies to your health when you are asked about your pre-existing medical conditions. Ultimately, if your insurer finds out you have lied, you may lose your right to make a claim.
You'll also need to make sure that you're covered for the geographic region to which you're travelling. Most annual travel insurance policies will include worldwide travel but some providers may offer cheaper rates for Europe-only cover or have higher premiums for cover that includes travel to the USA, Canada and the Caribbean. You may also find that if you're travelling to a high-risk region - particularly a country to which the UK Foreign Office advises against travel - your policy will not apply.
The author of this article is a part of a digital blogging team who work with brands like Bupa Insurance. The content contained in this article is for information purposes only and should not be used to make any financial decisions. How are Americans United? Freedom to Travel with Portable Oxygen Concentrators NJ Couple admits to travel agency and cruise message board fraud Watch American Idol Season 10 Episode 17 Streaming A Handicap Lift to Make Traveling Easier How You will get in Shape Safely In Summer Save Money on a Bank Repossessed Travel Trailer Watch American Idol Season 10 Episode 17 How To Choose Luggage For Your Travel Needs London Night Clubs: Enjoy the Nightlife of London Australian Visa Information Airport Cars London Brings Comfortable Commuting For Leisure Travelers The Role Of A Participation Agreement In Collective Enfranchisement