Multi Trip Travel Insurance And No More Worries

Traveling to foreign countries implies many risks but for those who enjoy travelling there is no reason to despair as multi trip travel insurance can provide all the necessary coverage to be protected from those risks. Multi trip travel insurance is an insurance product that has been tailored to meet the needs of frequent travelling customers that would otherwise need to pay for separate travel insurance products.

This unified multi trip travel insurance provides the same coverage as an individual travel insurance product but provides protection for multiple trips and more. Moreover, comparatively, the costs of these individual products would be a lot higher when added together. The combined multi trip travel insurance provides a cheaper solution for those who are frequent travelers.

What Does It Cover For?

As simple travel insurance policies, multi trip travel insurance covers for illnesses and accidents occurred during the trip and reimburses the medical expenses that such unexpected events imply. The difference is that you do not need to purchase insurance for each trip you take. Instead, multi trip travel insurance covers all of your trips in exchange for a single and lower premium than the premiums of all the other insurances combined.

Moreover, multi trip travel insurance policies also cover for theft (whether it is money or personal belongings), mugging and also loss. If you loose your luggage or documentations and need legal assistance, multi trip travel insurance will also cover these eventualities and all the costs and fees necessary to solve such situations which can be very stressing due to being on a foreign country.

Coverage For Emergency Flights

An interesting addition, given the current situation of the commercial flight business, is the inclusion on the policy of the following protections: Multi trip travel insurance will cover for emergency evacuations (due to internal problems in the foreign country or weather disasters), flight cancellations and flight delays (that often happen and make you lose connections).

The above additions are interesting given that not all travel insurances include these protections and it is smart to add them because you never know what may happen. Handling these situations on your own can be extremely stressing and costly, you cannot always count with the aid of the consulate or national authorities and being on your own with these problems on a foreign country is something you can definitely do without.

Where Do I Get Multi Trip Insurance?

More and more insurance companies are offering these policies and therefore you will not have difficulties getting one. You can visit the insurance companies’ online sites as many of them advertise these and other travel insurance policies online. You may also be able to request an online quote by filling a form specially designed for travel insurance on their online site.

Moreover, there are insurance brokers that will help you decide which insurance is best for you and can show you multiple quotes from different insurance companies to let you decide which product best adjusts to your current needs. Remember: doing some research and comparing quotes will guarantee that you get the best deal available and will save you hundreds of dollars.

4 Benefits You Can Enjoy From Single Trip Travel Insurance

The days of spruiking doom and gloom to sell travel policies are over. No longer do firms advertise the efficacy of their products through fear and images of all the dark clouds that could rain worry on your holiday. They are more than aware that people don’t want trepidation on the menu for their upcoming adventure!

Nowadays, companies are selling their plans on their benefits. It is refreshing to consider cover in terms of what you can gain, instead of simply what could befall you if you neglect it.

Don’t stress about accidents

Imagine you are planning a quick getaway with your family. You’ve chosen an island paradise and are excited about shaking the dust off your swimwear. The last thing you want to consider is getting single trip travel insurance because there might just be a cyclone that will tear the roof off your hotel. Instead, consider how the simple, online quote and basic cover can leave you free to forget about accidents, storms, injuries or acts of God. You can happily set off on your journey knowing that for one simple fee you are protected from any eventuality.

Don’t worry about theft

Many people are concerned about theft when they go on holiday. Indeed, there are many instances when theft does occur. But effective single trip travel insurance gives you an opportunity to turn a journey into an adventure. No one wants to skulk around their resort or accommodation worried to leave in case their handbag, phone or sunglasses disappear. The best way to enjoy your time away is to plunge headfirst into your destination (with a good dose of good old-fashioned common sense), secure in the knowledge that your policy is protecting you from the unlikely event of the worst.

Enjoy peace of mind

Ultimately, whether it is from cyclones, missed flights, stolen wallets, ruined bags or injured shins, single trip travel insurance at its best gives you a chance to make the most of your time away. If you work hard, this one-off trip needs to be savoured. And there is no better support to doing this than knowing, even when surrounded by the unfamiliar, that you will be well taken care of.

Enjoy extras

The best companies offer single trip travel insurance that understands no one wants to scrimp on their holiday. Your relaxing break should be just that: full of opportunities to splurge and enjoy yourself in ways you would not enjoy at home. This is why the best plans include plenty of extras for you to take advantage of. From golf cover to cruise cover, these extras are sometimes included as part of special deals, recognising that protection should extend to life’s luxuries when on a break.

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.