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If you're planning an exciting long-haul trip, you may be busy reading stacks of guides and shopping for your travel essentials - but don't forget to look into travel insurance, as well. Finding the right worldwide policy is just as important as the holiday itself.
When buying a travel insurance policy, there are a few basic decisions you need to make. Firstly, do you need a single trip or an annual travel insurance policy?
Generally speaking, if you go on holiday more than twice a year, you are likely to be better off with an annual policy. This will offer you cover for all of your trips for a 12-month period - giving you one less thing to worry about. But remember to note down when the policy expires and set a reminder to shop around to renew your cover at that time.
Another decision you need to make is whether to opt for UK-only cover, European cover or worldwide cover.
Opting for worldwide travel insurance may make the most sense if you're considering going beyond the Continent, or planning on taking several different trips overseas.
However, you do need to tread carefully, as some policies exclude the USA and Canada - so make sure you check these countries are covered if your travels are going to take you to these destinations.
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