4 Factors that Influence Your Choice of the Best Travel Insurance

Some decisions are difficult because there are just too many good options. These days, we are spoilt for choice when it comes to insurance cover for holidays. With so many firms offering a wide variety of plans, it is important not to shrug your shoulders and go with the first offer on the table. Take a little time and find not only good cover, but cover that really suits you.

Who will you go with?

One of the primary factors that will decide what is the best travel insurance for you is the people - namely the number and type of people you will travel with. Plans vary in their range of cover depending on whether you will journey alone, as a family, or with children. A man who takes time away from home for business, for example, can expect a different set of circumstances to a family who vacations with dependent children. The most effective cover is that which is tailored to fit the type of group who will go on the trip.

How long will you go for?

Some people hop on planes, buses or trains for business, others for pleasure, and some manage to do it for both reasons. For all three occasions, the frequency and extent of the journey will affect what is the best travel insurance for the situation. You should consider whether you need multi-trip cover or single trip cover, and if your trip will last for a few days as opposed to a few months it will also affect your charges and benefits. Seek out a plan that is designed to fit the specific time you plan to be away from home.

Where will you go?

Naturally, certain destinations are safer than others. While these days, the best travel insurance policies do not seek to penalise you for journeying to supposedly dangerous parts of the world (since the cover will include risks such as theft and terrorism), the difference in destination does come into play. It is in your best interests to research your itinerary and what plans are on offer, especially if you are going to journey to multiple countries.

What are you prone to?

Nowadays, people are increasingly aware that the risks of a holiday go beyond a minor injury or mere petty theft. The best travel insurance will cover issues ranging from terrorism to missed flights. Just as the firms will ask you about your own circumstances, it is more than useful for you to consider what risk you and you fellow travellers may be prone to. From specific medical needs, risks of accident and needs for extras, this consideration will make your cover better work for you.

Patrick Chong is the Managing Director of Insuremore. We provide the best travel insurance and offer a range of policies including single-trip, multi-trip and family insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.

Writer and Online Marketing Manager in London.