When people are planning for a trip abroad they often neglect to consider insurance issues, but if you or a member of your family should fall victim to illness or injury abroad, the lack of insurance cover will make a traumatic situation even more stressful. However, although it is vital for anyone planning a trip abroad to get travel insurance, no one wants to pay out more than they have to for it. So how do you choose the right travel insurance policy for you?
The first thing anyone should do is find out what type of travel insurance policy will best suit their needs, which will depend primarily on how often they are planning on travelling abroad. If you are someone who takes several trips abroad in the course of a year – say for work purposes – then it is likely to prove more cost-effective for you to get a multi-trip (also sometimes called an annual) travel insurance policy. With most major providers, such as Endsleigh.co.uk travel insurance, it will probably be cheaper to take out this sort of policy than getting separate ones for each trip, but sometimes there is not much difference in the prices between annual and single trip insurance, so it is always best to do some research into this before choosing.
On the other hand, if you are only planning on making a single trip abroad that year, perhaps for a holiday, then a single trip policy is better suited to your needs. On top of this you also need to consider where it is that you are actually planning on travelling to, as many major providers distinguish between European and worldwide travel insurance, with the latter generally being more expensive. If your trip involves stops in Europe and outside of it, this may be cheaper than two separate policies, but you only want to get a worldwide one if you are definitely travelling outside of Europe. Furthermore you should check the classification of ‘Europe’ with your chosen provider, because some insurance companies classify countries like Morocco and Egypt as European, and this is the cheaper option.
