Insure Your Adventure – The Single Trip Travel Insurance Checklist

When preparing for an amazing journey there is plenty of preparation required. But perhaps the most important item on your checklist is the purchase of a good single trip travel insurance policy. While it may not be the most exciting thing in the world, you’ll have enough excitement later that will more than make up for the drudgery of reading through the fine print of a policy.

So, what exactly are you looking for? Even a simple single trip travel insurance policy can cover every aspect of your adventure, but you will need to choose wisely and make sure it has everything you need.

Here are just a few things you might need to look for in a policy to make sure your fun and excitement won’t come at a cost you haven’t bargained for.

Delay and Cancellation. Many of the most basic single trip travel insurance policies include coverage should your flights get cancelled, or a flight delay causes you to miss a connecting flight. In those cases when airports suddenly have a rash of cancellations, you can at least have some of your expenses (such as airport hotel stays and food) covered by your policy.

Medical Insurance. This is usually the primary reason to purchase a policy before going on holiday. Should the water in, say, Mexico disagree with you and you need to be rushed to a hospital for intensive rehydration, or you find yourself suddenly having an allergic reaction to peanuts in America where medical care is pricey, this provision can make sure your medical expenses are covered and that they will fly you back home if necessary.

Sports Injuries. Even if you’re a breath away from being a professional skier, or do lectures on hiking back home, accidents do happen, regardless of skill level. If you do plan on doing any adventurous sports, ensure your single trip travel insurance policy covers any activities where there is even the most remote possibility you may need to be helicoptered to a hospital!

Luggage and Equipment. After all that time spent polishing up your equipment and buying expensive cases to make sure it never gets scratched, imagine how it would feel if something suddenly disappeared in transit? If you have expensive gear, you will want to check your coverage includes all your stuff or if you need to take out extra for more expensive or specialised equipment. You should also check for conditions that apply to high value items and be aware of any exclusions that might apply.

While part of the fun of a holiday is the occasional surprise, it’s not pleasant when it involves hospitals or police reports! With an appropriate policy in place, at least some distress from those unpleasant surprises can be alleviated.

Business Trip Travel Insurance

If you are planning a business trip, you may be under the impression that if anything was to happen to you while you were away that your employer will cover it. However, the chances are, your employer will be under the assumption you have arranged your own travel insurance, therefore responsibility, as far as your employer is concerned, would lie with you.

Whether you are self employed, or an employee, or an employer, looking to take a trip to improve relations or get a better deal from a supplier, o meet that all important new client, but having business trip travel insurance in place you can be sure that all you need to worry about is the ask at hand, and not anything related to your trip.

Having the insurance is not just sound financially, but, in the event of an emergency, can also help your business make the most of an unfortunate situation, as well as ensure that you business meeting is not too effected by any mishaps that may happen. Your cover could include a replacement colleague clause, so that if you or your employee is sick during their business trip, your insurance will cover most if not all of the costs in replacing that colleague with another member of staff.

Time and time again we hear that our own government officials have left extremely sensitive and important information, appear and digital based, in places they shouldn’t have been left. It happens, and when it does, it can cause a real problem within your business. No matter how comprehensive your insurance is, no amount of money can bring that data back, so be sure you have back up copies of all important documents relating to your business. However, your business trip insurance can cover the cost of a replacement laptop, which at least softens the bow a little when you have o tell your employer the bad news.

No matter what you encounter during your business trip, by taking out the appropriate insurance you can be sure that no matter what unexpected events occur, your business will not be affected. Business trips are a necessary burden to most people, and the burden should not be made any bigger by needing insurance, and not having it.

If your business trip is not all work related, and you plan to have a little fun while you’re away, some providers will be able to offer cover equivalent to a holiday single trip, which will be an extra benefit of your business trip insurance.

Make sure you check with your insurer to find out exactly what your policy covers.

How to Get Cheap Single Trip Travel Insurance

So you are planning a trip away or have already done so and now you want to sort out the travel insurance. People often neglect to spend any time on choosing their holiday, why should they a holiday is meant to be fun, a week or two to not worry about every day life.

Many people will first find out about getting cover for their holiday when they book up at the travel agents. Not knowing or not wanting to know insurance just seems like another necessary expense that you wish you could do without.

We all need to make sure you have the proper cover if you are travelling abroad. Whilst this is something you do not like to think about you can never know what will happen whilst you are away. Your flight may be cancelled, your luggage lost or stolen or worse you become ill or have an accident during your holiday.

So now we know what can happen how can you get cheap single trip travel insurance but without having to skimp on cover. There are several different types of policy you can get and each one will cover different aspects of your holiday cover, much like getting fully comp car insurance or third party fire and theft.

A single trip policy will be your cheapest option of you are only planning to take one trip abroad this year. If however you are planning on taking more trips it may be worth considering an annual multi trip policy as you would usually save money over the cost of buying separate single policies.

One thing to remember when choosing any policy is not to sacrifice cover for cost. Many policies will just be cheaper because they do not cover everything. Make sure any particular cover encompasses what you actually need.

You can find the cheapest insurance by using an online travel insurance comparison site. This will list all policies that meet your specific requirements side by side. This makes it easier to compare and choose the holiday cover that provides the best cover for the lowest cost.

You should be aware of any excess, like all types of insurance there is generally some excess payments you will be liable for. This is the amount you will have to pay as the first part of any claim. The higher the amount you are willing to accept the lower the premium cost of the insurance policy.