Looking for travel insurance but a little confused by the different policies? There are all sorts of different types of cover to suit various holiday experiences and budgets. You can get group holiday insurance, winter sports cover, specific insurance for cruise holidays, and so on.
In most cases, holiday insurance falls into two broad categories - single trip and multi-trip travel insurance.
Single trip travel insurance is ideal for one-off journeys and for those who aren't likely to travel again within a year or so. If you're going for a long stint abroad, a single trip travel insurance policy may cover it as some routinely last for 365 days, but of course you will need to check the details in full before you book.
Multi-trip or annual travel insurance is designed for holidaymakers who are planning more than one trip abroad within the space of a year, so it's ideal for frequent holidaymakers. Depending on the insurance provider, some multi-trip policies allow unlimited trips throughout that period, while other cheaper policies may be limited to a maximum number of holidays.
As with any type of insurance, it's important to do your research and go through all of the options thoroughly to ensure you choose the right level of cover for your trip, and a great place to start is with a tour operator. With Thomas Cook for instance, you will find stacks of information about their various insurance policies and you can also book your policy online, which takes the hassle out of organising your holiday insurance and let's you get on with planning your trip.
Whichever insurance provider you choose, travel insurance is a must for any trip abroad and even if you don't need to use it (which hopefully you won't), it's a small price to pay for complete peace of mind.