What does holiday insurance cover?

This article relates to Holiday Insurance for Irish residents. The main thing on every traveller’s checklist, after passports, travel tickets and ensuring that you have all of your kids accounted for in the car, should be travel insurance. Whether you end up standing on a jellyfish in the blue waters of some tropical island or breaking a bone on some whiter-than-white ski resort, it is comforting to know that your hospital visit will not end up costing you a lot of money!

In today’s ever-changing world, it is vitally important to ensure that you are covered for the obvious and the not so obvious, from the seemingly annual environmental catastrophes like overactive volcanoes pumping out blackened ash to sudden snowfalls disrupting flights. And, of course, there is the inevitable risk of your plane being delayed for one of a possible hundred dozen reasons.

The risks are endless and could affect you, your partner, your kids, or your business colleagues. So it is imperative that you know precisely what your policy does and does not cover and whether or not you can take out additional cover to protect yourself against specific activities, such as winter sports, golf, cruise or business trips.

The more research you conduct into the various holiday insurance policies available, the more you are likely to save and the more suitable the coverage. Figure out the type of cover that is the best match for the trip you intend to make, sun worshipping, hiking or skiing trips. Whether you want to take one or more trips and whether your trip will be short or long visits will all impact the cost and type of policy.

The kind of travel insurance you need will depend on the duration and frequency of your trip. The most common policies are covered here:

Single trip travel insurance

The most common cover is a single trip travel insurance policy. This policy will cover you or your family going on a once-off trip, such as for your annual holiday.

Annual holiday insurance

More suitable for a frequent traveller, who typically takes more than one trip per year, are the annual travel insurance or multi-trip cover policies.

Backpackers travel insurance

Students and long-stay travellers will be particularly keen on backpacker travel insurance. This policy should give you an extended duration of coverage, anything from a few weeks to up to two years.

Winterport’s cover for skiing and snowboarding

For risky types of travel, like a skiing holiday, insurance companies tend to have a particular tailor-made policy, for instance, winter sports cover. Thank you for visiting our Travel Insurance blog. We hope you found it useful and informative. Compare cheap travel insurance quotes here. You may be surprised at how much you can save!