YOU ASK:

I’m an avid traveller. What kind of travel insurance should I get?

WE ANSWER:

Insurance for the frequent traveller should cover for a lot of eventualities. And since you're doing a lot of travelling, it's best to buy travel insurance by the "bulk". Get an annual multi-trip travel insurance policy so that you can save on the premiums and you also do away with the hassle of having to buy travel insurance every time you leave.

It works very much like single trip travel insurance; only it provides travel insurance coverage for the entire year. Thus, you have peace of mind, knowing that you are covered anytime you leave. So all you have to do is plan your trip and pack your bags and you're good to go, insurance protection and all.

As a veteran traveller, you should also think about the range of your travel insurance coverage. With annual multi-trip travel insurance, you can choose to limit your travels to Europe or go worldwide (including the USA and Canada) as well as go worldwide (excluding the USA and Canada).

As an avid traveler, you should also buy insurance that covers you for your needs. Annual travel insurance policies usually specify a limit as to the maximum consecutive number of days you are abroad. There are policies that do not have limits as to the number of trips you make in a year. There are also some policies that limit the number of trips you make. So, it's best to take a look at your policy to know the kind of coverage you're having.

What Annual Multi-Trip Insurance Covers

Annual multi-trip insurance will cover you for trip cancellation, trip curtailment, baggage insurance, and personal liability.

It may also provide medical coverage, so that in the event that you get sick or are injured during your trip, you can rely on your insurance to help you with the expenses. These include hospitalization costs, doctor's fees, charges for medical materials and supplies, as well as diagnostic fees (ultrasounds, x-rays and laboratory costs).

When you are a veteran traveler, you know the many things that can go wrong during a trip, and it's best to cover these with travel insurance.

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