Annual Multi Trip Holiday Insurance
An annual travel insurance policy will cover every trip you make over an entire year. There is no limit to the number of trips made during this period. There will however be a restriction on the duration of any one trip. Typically, for persons aged between 18 and 65 any one trip will be limited to 45.
Single Trip Insurance
You can cover a single trip of any duration up to 31 days. There will be restrictions based on the destination, for example visiting the USA, and on age for over 65s, which will require additional premiums. Trips longer than 31 days are referred to as Long Stay.
Long Stay Insurance
Certain age groups and destinations can cover trips of up to 18 months in duration. Age and destination restrictions are similar to standard single trip cover. This is useful for retired persons with holiday homes abroad for example spending the winter in the sun. Persons aged up to 75 can be covered for stays of up to 12 months in Europe. Persons aged up to 99 years can be insured for up to 12 months for visits to Australia, New Zealand and South East Asia.
Family Insurance
All insurance options available for individuals can also be applied to families. There is often a cost saving compared to insuring family members individually. A family would include a couple or a lone parent and a number of children under the age of 18. Once a child reaches 18 they may well need a separate travel insurance policy.
Emigration Travel Insurance
Cover is for a minimum of 17 days for the purposes of premium, and ceases on arrival in destination country.
Young Travellers - Backpackers
Persons aged from 18 to 45 and travelling independently for example backpacking during a gap year or studying overseas can have a lower cost stripped down policy. Typically these policies are of durations between 1 and 18 months and include options such as winter sports only at an additional premium.
Medical Conditions
Unlike many travel insurance policies, all medical conditions are considered by Worldwide Travel Plan. Pre-existing medical conditions do not preclude cover being available for the medical condition. A simple additional medical premium can often be paid to cover the condition, and the standard travel insurance policy conditions will be maintained for all other apsects of your trip. Many high street travel insurance policies unnecessarily exclude any problems relating to your medical condition in the small print. It is important to phone us to discuss your requirements. Medical Cover - more information
Geographical Areas
For travel insurance purposes there are four main regions.
- British Isles excluding the Irish Republic.
- Europe including dependent islands such as the Canary Islands, and the European region of Russia, and certain Mediterranean countries such as Egypt, Turkey and Morocco.
- Worldwide excluding North America.
- Worldwide including North America.
Please note, the information contained on this web page is for intended as a quick guide only, and is not meant to be a definitive reference. You must always read the small print contained within your travel insurance policy documents to ensure your cover is correct and adequate for your trip.