Are you already dreaming of fine sand, radiant sunshine or escaping to the other side of the world? Before packing your suitcase, there is one detail that should not be overlooked: travel insurance. Yes, these legalese-filled contracts may seem boring, but they are essential to your peace of mind. So, what type of travel insurance should you choose based on your destination? This is what we are visiting together.
What does basic travel insurance cover?
Basic travel insurance generally covers medical expenses caused by an accident or illness during your stay. This includes doctor visits, prescription medications, hospital care, and sometimes medical evacuation. In addition, it offers assistance for early return in the event of death or hospitalization of a loved one.
Travel insurance for sports and adventure holidays
Are you planning to go scuba diving in the Maldives or mountaineering in the Himalayas? For this type of trip, basic insurance may not be enough. You will need special sports and adventure travel insurance that specifically covers these risky activities.
Travel insurance for family trips
Going on vacation with children can quickly become expensive, especially in the event of an accident or illness. To avoid facing astronomical bills, opt for family travel insurance . It covers all medical costs for you and your offspring. Some even offer coverage for activities specific to children, such as babysitting if a parent is hospitalized.
Travel insurance for long stays
Is your globetrotting soul pushing you to go for a gap year or a world tour? Consider taking out long-term travel insurance . It provides broader coverage, including civil liability abroad, compensation in the event of baggage theft, and sometimes even trip cancellation insurance.
Travel insurance for professional stays
Are you going abroad for work? So, you need professional travel insurance . The latter covers not only medical costs, but also repatriation costs in the event of accident or illness, professional liability insurance, and sometimes even compensation in the event of loss of luggage or professional equipment.
As you will have understood, the choice of travel insurance depends greatly on the type of stay you are planning. Take the time to carefully consider the options available to you and read the fine print before signing. After all, it’s better to be overprepared than underprepared, right? Have a good trip !
