Annual Travel Insurance
For those who take several trips a year, buying an annual travel insurance policy may not only save money during the initial purchase, but also saves the hassle of having to buy a new policy every time you travel. Avid vacation goers or those who travel frequently may find that an annual or multi trip policy can be tailor-made to suit the type of travelling involved with the opportunity to add cover should it be required. For many, this is a huge time saver and gives peace of mind before taking those flights.
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Main Features of Annual Travel Insurance
Like all good travel insurance policies, there are important features that should be covered no matter what kind of policy is chosen. These include:
Overseas Emergency Medical Assistance
While New Zealand may have a Reciprocal Health Agreement with the country of destination, ensuring that the policy contains adequate medical cover is a must. Health agreements only cover emergencies and not visits to a doctor and the expense of prescription medicines, nor do they cover the often-expensive costs of medical evacuation should a patient be deemed healthy enough to be flown home. Being covered for permanent disability as a result of an accident overseas is a sensible option and do consider the effect on the family’s finances by making sure that the policy provides cover for the cost of flying a loved one’s remains home.
Luggage, Personal Effects and Cash
It is every traveller’s nightmare discovering that baggage has been lost or a wallet has been stolen. Sadly, these scenarios do happen and if carrying high value items is essential, then make sure these belongings are suitably covered within the policy. Losing a passport or flight tickets can be a situation none of us want to go through, proving highly inconvenient as well as potentially ruining a trip, so do check the small print to see if document loss is covered.
Cancellations and Postponements
Trips can be cancelled for many reasons. Perhaps a loved one is ill, or worse, has died. Maybe the destination country is suffering from an outbreak of war or terrorism, resulting in flights being cancelled by the airline. If travelling involves flying to potentially high-risk countries, do check to see if there is cover for flight cancellations and emergency repatriation should something untoward happen while on holiday.
Personal Liability Protection
In the event of an accident causing damage to another person or their belongings, a travel insurance policy will often cover legal expenses and damages.
Insuring a holiday or trip is not compulsory but taking out a suitable annual travel insurance policy can give financial protection and peace of mind.
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