What Annual Multi Trip Travel Insurance is All About

Travel companies and insurance companies have addressed this new choice in terms of travel preferences by offering very tempting annual multi trip travel insurance plans. The main benefit to buying annual multi trip travel insurance is that it provides good cover and is less costly than buying several single trip travel insurance policies. In fact, if you buy single travel insurance policies each time you travel you would end up spending more on travel insurance than on the price of your tickets.

Before deciding to buy annual multi trip travel insurance it is a good idea to make an assessment of your travel needs and then choose an appropriate insurance cover while at the same time also taking into account the needs to travel for business, holidays and any other reasons to travel. In case you find that you will be traveling more than once in a year then buying annual multi trip travel insurance makes sense as it will help you to save valuable money and time as compared to buying a single trip insurance policy each time you travel.

The main benefit to buying annual multi trip travel insurance is that it ensures that you will be covered for each trip you take including trips that involve making very short duration halts. In fact, annual multi trip travel insurance means that you can rest assured of having greater peace of mind knowing that you are covered and have very little to worry about.

Annual holiday travel insurance in fact is ideally suited for people that are very passionate about traveling for the purpose of vacationing during a year. Such an insurance coverage will help you get cover no matter how many times in a year you travel and there will also not be any additional costs incurred regardless of how many trips you take in a given year.

Factors to look out for when buying annual multi trip travel insurance include knows whether you are of the right age to get maximum benefits; are there limits on how many trips you can take in a year; and, are you covered for business travel and are children and partners also covered. Keeping in mind these factors, you should then focus your energies in finding a suitable insurance cover to address your travel needs.

Things That Might Not Covered by Your

Holiday season is coming, and some of you might already have planned how and where to spend this relaxing moment with your family. So prepare your holiday well, choose a trusted and reliable travel agent to arrange your trip, decide wisely where to go and what to do on your destination, prepare your travel documents and things to bring on your trip, and of course, in order to avoid your holiday turned into a disaster, you will need a as a protection.

is one of the most important instruments on your holiday, so you better choose your insurance carrier wisely when you decide to buy one. Shop around for the best rate and coverage, and also it is a good idea to look for guidance and tips on how to get the best for your journey.

But don’t feel 100% secure just because you already have , since there is no insurance that can cover every risk. So do with , there are things that most will not cover. Knowing these things is important so you can make a preparation in case some of them happen before or during your trip. It’s also useful to help you choose an insurance provider that can give you the most coverage for your travel.

I have compiled from many sources, things that most won’t cover as you can see below:

Travel cancellation

Tour operator

Although it is totally beyond your control, but will not pay for any expenses you have already made if the travel is canceled by your tour operator. You could ask the tour operator to return your money, but your will not pay for any loss you experience regarding this situation neither helping you to get cash back from the tour operator or making a law suit against them.

A tour operator can cancel your trip for some reasons including their internal company problems. That’s why you should carefully choose for a tour operator to avoid this, make sure it’s a good and reliable company.

War or Riot

Usually there are certain types of mess up situation stated in a policy with explanation whether it’s coverable or not. Usually they are; strike, riot, civil commotion, terrorism, and also war, that happens in your travel destination. If the cancellation is made regarding one of those reasons, many policies won’t cover.

Death or Illness of a Pet

Animal lovers might cancel their trip because their beloved pet is dead or ill, but don’t expect the insurance company will have a compassion on this situation, this is also the risk that cannot be insured.

Psychological Problem

You cannot cancel your trip for having psychological illness or mental problem without penalty, because for most insurance companies, this is an exclusion of coverage.

Divorce before the Trip

One in a million, but it still could happen. After you bought a tour package and , suddenly a problem occurs in your family, then your spouse files for divorce and ruins the whole plan, and you have to cancel the trip. This is also not considered as an uncoverable risk.

Pandemics

If you find out that on your destination there is a pandemic like swine flu or anything like it, you might worry for the sake of your family’s health and decide to cancel the trip. But pandemic is also not a valid reason for trip cancellation, so this won’t be covered.

Visa Refusal

This case sometimes happen, and sadly it always happen after you buy a ticket or book a tour package or at the arrival. Mostly you can only expect cash back from the airline for the ticket, but usually won’t cover for this cancellation.

Natural Disaster

Most of policies say they will give coverage for trip cancellation if your destination is completely shut down by a natural disaster. But please pay attention to the fine print and read it carefully, usually it says that if the resort or the airport remains open, you will not get your claim paid by the insurance.

Health, Medical Treatment, or Personal Injury

Pre-existing Conditions

This is a common exclusion in many insurance policies, so medical treatment related to that condition during your trip will have to come out of your own pocket.

Extreme Sport

If you wish to do some extreme sports on your destination, the risks won’t be covered by your regular . For this, you have to obtain another insurance which is extreme sport insurance or something like that.

Pregnancy and Childbirth

Usually, it is specified under which conditions the pregnancy complications or childbirth is covered. You too have to read the fine print real carefully on this one.

Working Activities

For an insurance company, holiday is holiday, meanings you shouldn’t work or do anything related to it. If you are injured while doing something that is considered a working activity, then the insurance won’t cover it. What is considered to be a working activity is not always that you do something for money, as long as it’s a situation involving manual labor, using power tools or driving heavy duty machinery, it could be considered as a working activity.

Drunk

If you are injure in doing an activity after you have some drinks there’s a big chance that your insurance won’t pay for this. So you better pay attention on this one.

Sexual Behavior

If you suffer a disease or have a worry of your future health condition related to a sexual transmitted infection or unwanted pregnancy for the result of your sexual behavior on your holiday, there’s a big chance that you have to take care of the medical costs for treatments or tests by yourself. Most doesn’t cover this health condition.

Medical Repatriation

Many people feel safe when they know that the insurance will give coverage for medical evacuation if they suffer a bad medical condition in some remote area. Evacuation meant to transfer the patient to the nearest area that has a better medical service. But if you need to be transferred back home to get the proper treatment it is called repatriation, and not so many will cover this. So you have to read the fine print carefully and find out what it says about it.

Others

Baggage Delayed For Less Than 24 Hours

It’s a good idea to carry the things you need for a day in case there’s a baggage delay. If the delay is less than 24 hours, the insurance won’t cover it. The insurance will only cover for baggage delay for more than 24 hours and it’s valid for outbound flights only, so no baggage delay cover for your flight back home.

Loss or damage to keys, money, documents, tickets, or credit cards

Usually these items are not considered to be as baggage or personal item, so you should keep these items real safe during your journey.

Flight Problems Regarding to Security Threats and Terrorism

Sometimes these issues can cause an airport closing, flight delay or event flight cancellation, and won’t cover you for buying another ticket, rerouting tickets, or paying for accommodation for these causes.

I really hope this article could help you to arrange your save and pleasant journey. The most important thing is always pay attention to every detail in a policy and read the fine print carefully, since one single word could determine whether the claims you made can be paid or not, have a nice holiday.

Top 3 Reasons You Need Single Trip Travel Insurance

Many people forego the purchase of even a single trip travel insurance protection in the mistaken belief that such coverage is an unnecessary luxury. While many people could perhaps get away without having such coverage (but it is certainly ill-advised to do so), there are three critical conditions that it a “must-buy”.

Poor Health

The worst thing someone in poor health condition can do is embark on a physically taxing (and sometimes emotionally draining) journey abroad without getting at least a single trip travel insurance policy. Proper cover can protect you in terms of shouldering the cost of emergency medical procedures, should the need arise. What happens if you go to the emergency room in a foreign country and you don’t have enough money with you? Going abroad without sufficient coverage is extremely foolish-if even normal situations at home tend to trigger your asthma attacks, for instance, consider what awaits in a place you are unfamiliar with. Moreover, if you have a condition like vertigo, any sudden attack can endanger you and other people on the road (should you be driving a rental car). While an insurance policy does not make your health improve, it can certainly protect you from having to outlay a huge amount in an emergency medical situation.

Travelling to Dangerous Places

Here’s a true story: a couple travelling to Peru-a country whose government barely holds it together on the best of days-decides to get a single trip travel insurance policy. It was a precarious time when the dreaded swine flu was at the centre of every health advisory, but the couple chose to get insurance against the possibility of cancellation ‘for any reason’. As it turned out, their much-awaited trip would not be botched by swine flu, but by civil unrest; getting the cover they did significantly helped them swallow the frustration at their loss-at least, it was not as financially painful as it would have been if they didn’t have the extra cover. The point is if you’re travelling to other countries, especially those under certain risk advisories issued by your embassy, it pays to consider these risk factors when purchasing your policy.

Limits in Pre-existing Coverage

You may already have pre-existing single trip travel insurance coverage from your health insurance provider (some companies also includes travel cover even if your main policy is, say, health or home insurance), and you’re probably thinking, “why get another policy, right?” Wrong. Check the terms of your existing coverage carefully and you just might discover how limited the terms are. You have to be utterly frank about your needs and compare these to the things covered by your existing policies. If it is limited, it’s probably as bad as having no cover at all.