Types of Travel Insurance Policy
For many people travel insurance used to be one of those last minute emergency things that they did before they went on a trip, like checking their passport was still in date and making sure they had cancelled the milk.
Covid has changed all that, in ways that are likely to stay with us all for many years to come. The uncertainty that Covid created in the world order, has made travel insurance a key element of peoples freedom to resume travelling, and explore the regions of the world in a safe and secure manner.
Understanding how travel insurance works, its different elements and how it affects different types of traveller has become a really important part of the preparation for any travel trip, whether it be a week, a year or a new life altogether.
There are two or three main types of travel insurance, with numerous different add-ons, additions and different ways to make sure the insurance cover is appropriate for someone’s needs.
Backpacker / Longer Stay Insurance
Specialist Travel Insurance Holidays and Trips :
There are various other types of travel insurance policy available, either as stand alone policies or as additions to one of the above types.
These normally include things like cruise insurance, winter sports insurance, sports and activities insurance, notably golfing trips, overseas weddings insurance as well as travel insurance for people over a certain age, normally 65/75-85.
There are also policies available for people based in the UK who live abroad for a certain amount of the year, although these are more health insurance policies than travel insurance.
The main ones are listed below :
- Business Insurance
- Credit Card Travel Insurance
- Travel Insurance Comparison Sites
- Nurses
- Age Related Travel Insurance
- Travel Insurance for Cruises
- Backpackers
- Expats
- Children
- Working Abroad including TEFL
- Travel Insurance for Moter Cyclists
- Anyone with a disability
- Travel Insurance for people who are pregnant
- Students
- Golfing holidays
- Skiing
- Snowboarding
- Winter Sports
- Extreme Sports