Holiday travel insurance

Holiday travel insurance provides the right kind of cover for any kind of traveler, be it an adventure tourist, a sport enthusiast or even a globe trotter. Whether it is for business or leisure, it is better to insure the trip to enable travel with safer mind and joyous heart.

An annual travel insurance that covers multi-trip travel all round the year provides not just excellent value for money but also a sense of well being to the entire family that they are adequately protected in case anything goes wrong during travel.

It is imperative that such annual travel insurance covers bodily injuries and health related ailments as these are the most traumatic of all types of eventualities. The lost baggage cover and cancellation of the trip due to unavoidable circumstances are other risks to be covered.

Holiday travel insurance for multi-trips

This policy is aimed at frequent travelers especially those who travel for more than a trip a year. However, some companies also prescribe the lower limit of days of travel and also the specific number of trips. Great discounts and additional coverage benefits like business cover, golf cover and winter holidaying and sport cover are also included in some premium packages.

Most of the holiday travel insurance policies cover not just travel but provide other invaluable benefits that help minimize financial risk that can occur due to any reasons during travel including:

• Cancellation of trip. Plane tickets, cruise fare, tour packages, hotel rooms, charter fishing boats, golf greens fees - most of these are covered with your travel insurance. These expenses are reimbursed if they are prepaid and non-refundable. Typical reasons for trip cancellation that are allowed by insurance companies included sickness or death, terrorism, bankruptcy, loss of job or work requirement. Some travel insurance policies cover trip interruption coverage too.
  
  
• Delayed or missed departure
  
  
• Medical emergency
  
  
• Loss of baggage
  
  
• Loss of passport, cash or any valuables
  
  
• Bankruptcy and Legal expenses
  
• Rental car collision
  
• Emergency evacuation expenses
  

Indeed some holiday insurance policies also cover emergency dental treatment as well. It is necessary to travel safe sans risks. Travel insurance becomes essential especially while traveling to a new place where causes natural or man made can suddenly mar the trip. Travel insurance rates can range from about 5 - 12% of your trip cost. Your age and type of trip also plays a role in determining your insurance price. If you are going for extreme sports or hazardous outdoor activity, you need to go in for special insurance.