The highlight of a holiday is never insurance! In the middle of all the frenetic yet eager planning, no one gleans great joy from plotting the numbers and filling the forms required to build ideal protection against possible mishaps.
Yet these days there is a great deal of freedom in this process, and while this by no means wins you any thrills, it can please you when you are spoilt for choice. It is important when faced with such choice to, of course, choose wisely, and to know how exactly to mould and shape your options to insure yourself and your trip in a fitting fashion.
Family versus singles insurance
On of the first decisions to be made when wading through the options available for holiday cover is whether you will need a family package or if you will insure individuals. It can seem an easy choice based on if you will travel as a family or as an individual. But when you travel with extended family, or as a couple, or with friends, you will need to work out which type of insurance suits your needs best. These days, solid providers pride themselves on adjusting the scope of insurance to match your needs.
Short-trip versus repeat travel insurance
The next option worth considering is based on duration and frequency. Your holiday cover should take into consideration whether or not you will travel many times over the course of the year, if you will travel for long periods at once or if you intend only to take one simple and short trip. There is no need to pay unnecessary insurance or spend on extravagant premiums when good providers allow you to tailor your plan to suit the exact quantity of time you will spend away from home.
Standard insurance versus the extras
Many people prefer the bread and butter version of holiday cover. Eschewing the bells and whistles, this insurance focuses on protection against the common mishaps and ailments that can befall travellers. But these days, the extras are quite often more than just frills and decorative incentives: 24-hour emergency call services, kids’ protection, golf and cruise protection, and protection against acts of terror can be genuinely useful bonuses that are often added for very little cost.
Simple quotes and payments online
As mentioned, there is no delight in planning your holiday cover, so simplicity is key. This is why it is important to consider quote and payment options. Many top budget travel insurance companies not only give you a fine range of options for plans and extras, but also allow you to do your paperwork and assessment online. The ability to get simple quotes, online medical assessment and pay via the web makes the entire process so much easier to manage.