You really should have travel insurance for any and all trips abroad.

And it is beyond the obvious that you may need it – not just for a visit to a doctor for a dodgy stomach, but also for getting you back to the UK if you fall seriously ill or have an accident – by private jet with nurse/doctor if necessary – this can be a seriously expensive option

As most holidaymakers will know, travel insurance is an essential part of preparing for an upcoming trip, but there are so many policies on offer that narrowing it down to just one can sometimes be a bit perplexing. This is a short guide, but you may need to talk to an insurance broker or specialist insurer if you have specific requirements or medical conditions.

The first and most important thing to consider when choosing a travel insurance policy is the type of getaway you are planning. It doesn’t matter whether you are opting for a fortnight on the beach, embarking on a once-in-a-lifetime round the world trek or just jetting off on a whirlwind weekend, travel insurance is essential. However, different types of trips have insurance requirements unique to them.

If you are planning on staying away for more than three months, a long stay travel insurance policy is ideal. As this type of insurance can cover you for up to 18 months, it is a great option for the more adventurous traveller, or those with a spontaneous streak.

As well as looking at the holiday itself, it is also worth taking into account your overall travelling habits; if you are something of a jetsetter, or even just like to get away more than once a year, taking out an Annual Travel Insurance policy could be the best deal for you. However, if the holiday is a rare treat, then Single Trip Insurance is likely to be your best option.


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