hotel Insurance
The first consideration is where you should get your travel insurance policy. Travel agents will rarely be the cheapest option and you may not have time to read the fine print on a policy plucked from an airport stand. It+s best to give this some attention and go to a specialist insurance provider. Most insurers do many types of insurance, from business insurance such as hotel insurance, to personal insurance such as cover for homes and cars. So this is a good place to start when seeking a travel insurance policy.
Travel insurance is usually either for one trip, known as single trip insurance, or for several holidays a year, known as multi-trip or annual travel insurance. If you+re planning to take more than one holiday in a year, then annual insurance is probably the most cost effective choice. If, on the other hand, you plan only a single holiday, single trip insurance may be enough. Business insurance policies such as hotel insurance and others tend to cover employees for multiple trips around the world.
So, what+s covered by travel insurance? It really depends on the policy you take out. Travel cover policies usually cover you against both events for which you are responsible and others that are outside your control. For example, some travel insurance policies will cover you if you miss a flight, which could happen if there+s a motorway pileup on the way to the airport. There will also be cover for curtailment or cancellation of flights, beyond that provided by the airline.
Like a hotel insurance or other business insurance policy, there will be some cover for loss of money, personal liability and personal accident, as well as legal protection if this is required. There are two other areas that travellers should consider. The first is the level of protection offered for medical and dental emergencies. The second is how much cover is provided for your luggage. This may vary depending on the policy, but it may be worth having cover beyond what is provided by the airline, especially if you are travelling with valuables.
If you+re a keen skier or like extreme sports, it+s also worth checking to see if your travel policy will cover you in case an avalanche results in the closure of the piste or if your expensive hiking equipment falls off a cliff. Many policies will include this either as a normal part of cover or an optional extra. And although this might be the last thing on your mind when booking a holiday, if something happens you+ll be glad you took the time to get good travel insurance.
