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5 Questions To Answer Before Getting Your Annual Holiday Insurance

Author: Lisa Jeeves
by Lisa Jeeves
Posted: May 20, 2014

For those fortunate enough to be able to regularly go away on an annual holiday, insurance is one of the things that may automatically get included in travel plans, especially if previous trips turned out less than perfect! But if you’re getting the same coverage year after year, you may eventually slip up.

Unless you're taking exactly the same trip to the same places year after year, your requirements may need to be reviewed. This will depend on not only the destination but also a number of other factors that may come into play. Here are a few questions to ask yourself to ensure you’ll be appropriately covered.

Will You Be Taking More Trips This Year?

If you have more trips this year, aside from your regular annual holiday, insurance for multiple trips can be the more practical option - ensuring coverage for all journeys taken for a reduced cost. This option is available for the entire family, so if you and other members have several holidays planned, this may be the best type to get. On the other hand, if you only plan on taking one holiday in the 12-month period, a single trip policy will suffice. Where Are You Going?

Destination definitely plays a part in how much and what type of coverage you will need. For instance, if you went to Europe the previous year and now intend to go to South America or parts of the African continent for this year’s annual holiday, insurance rates may differ due to the distance, cost of travel that needs to be covered, and many other circumstances.

Are You Going Skiing?

If you are going on ski trips or other sports-related excursions for your annual holiday, insurance policies specially tailored for those kinds of breaks are available. They include coverage for accidents and specialised medical care not normally accounted for, as well as provision for special equipment.

Are There New Additions To Your Family?

If you got married in the last year or if children are now grown enough to be included in travel plans, a new policy type may be on the cards. Instead of a single policy, multi-person ones can be more economical – but these must be kept updated and renewed with the correct number in the group.

Did Anyone Turn 65? Or 18?

In the same vein, rates and allowances may change in the case of a member of the family having a birthday. This includes someone turning 65, which will normally entail higher rates, and children who turn 18, meaning they are now classed as an adult.

These are just a few questions that can help you determine what kind of policy you will need to purchase. Policies come in a wide variety and can also be tailor-made to your particular needs, so there's no excuse for negligence!

Patrick Chong is the Managing Director of Insuremore. We provide the best annual holiday 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.

About the Author

Writer and Online Marketing Manager in London.

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Author: Lisa Jeeves

Lisa Jeeves

Member since: Oct 18, 2013
Published articles: 4550

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