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Adventure training friendly
high-risk activities for adventure tourists, but it does usually come at a price. Insuring a trip that includes activities such as rock-climbing, and abseiling could mean higher premiums. Similarly, it might be possible to purchase specialist policies that cover winter sports, for activities such as skiing and snowboarding.
Basic Travel Coverage
This part of the policy is the fall-back if a traveller has to cancel their holiday, or if they go on holiday and then have to cut it short and return home early. A good general rule for coverage level is to choose an amount that will reimburse the total cost of the holiday if the traveller has to make a claim.
Pays for the cost of lost or damaged luggage and personal possessions, generally up to a limit of around £1,500 to £3,000 for luggage, £250 to £500 for cash, and £500 for individual items such as laptops, smartphones, and cameras.
This typically pays out if the flight is delayed for longer than the period of time specified in the policy, which is typically 12 or 24 hours. When a traveller’s flight is delayed, they should get confirmation in writing from the airline and keep the receipts for anything they have to pay for or buy as a result of the delay.
One of the most expensive travel disaster scenarios involves having to get medical care while abroad. Depending on the country a traveller is visiting, and the kind of medical care they need, the costs could easily run to tens of thousands, and even hundreds of thousands of pounds. Insurance experts typically recommend getting £1 to £2 million worth of coverage for medical care.
This kind of insurance applies in cases where the traveller injures someone or damages their property, and the third party makes a claim for compensation. A standard policy typically provides compensation of up to £1 million.
This might cover high-risk activities for adventure tourists, but it does usually come at a price. Insuring a trip that includes activities such as bungee jumping, rock-climbing, and abseiling could mean higher premiums. Similarly, it might be possible to purchase specialist policies that cover winter sports, for activities such as skiing and snowboarding.
For frequent travellers, it could prove to be cheaper to buy annual insurance that provides coverage for the whole year, rather than buying policies for individual trips.
Most travel insurance is typically valid for a short period of time, typically 30, 60, or 90 days. Consider something like backpackers’ insurance for longer trips. This could be valid for up to 18 months and covers multiple countries.
For families travelling with children, some policies offer free insurance for kids under a certain age; however some charge a separate excess for each member of the family. This might mean that family insurance isn’t always cheaper, but it could be worth investigating for family holidays.