Who Needs Comprehensive Travel Insurance?

Comprehensive travel insurance is a useful all-in-one kind of policy, providing an accessible means of protecting people from a wide array of travel-related concerns. If you’re not sure about what kind of policy to get, this is the safest bet.

But who, exactly, benefits the most from the inclusive nature of comprehensive travel insurance? Here’s a list of the types of travellers that will find these policies a very useful choice. You'll probably see yourself in there somewhere!

The Casual Vacationer

If you enjoy going on trips without the hassle of picking over little details, a comprehensive travel insurance policy will absolutely suit you. Medical cover, life coverage, cancellation protection, luggage protection, personal liability – these are the very basics that protect the average person from most of the issues you'll face while abroad, allowing you to focus on the journey instead of the boring details.

The Last Minute Traveller

Often find yourself on an urgent trip? Don’t have enough time to spare to fine-tune your policy? The aforementioned cover is broad enough to shield you from any problems the average traveller is most likely to encounter, but you will have to ensure you get cover for any activities with heightened personal risks or visiting remote locations that make medical attention or even medical evacuation a harder (and costlier) affair.

The Business Traveller

If you go on a lot of trips related to your business, employment or private enterprise, then you’ll definitely want to get comprehensive travel insurance for multiple trips. The all-in-one nature of this type of policy will provide a useful buffer in case you find yourself in trouble, while the multiple trip aspect will help keep costs down. This gives business travellers the peace of mind they need to focus on their work.

So what about those individuals who may need some add-ons to their policies?

The Daring Sportsman

Those who travel with extreme sporting activities in mind will definitely need to expand the existing cover provided in the average plan. First you have the usual culprits like winter activities (skiing, snowmobiling), water activities (diving, boating) and mountain activities (hiking, camping); then you have the more extreme sports, such as rock climbing, paragliding and motocross, to name a few. Remember - you’ll need to obtain cover for every activity you plan to engage in.

The Wilderness Explorer

If you plan to visit the more remote parts of the world, you will most definitely need to add medevac and vaccination coverage to your policy. The higher premiums that come with visiting remote regions are unavoidable, since you will be exposing yourself to a heightened degree of risk.

Patrick Chong is the Managing Director of Insuremore. We provide comprehensive 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.