| Multi Trip Travel Insurance is also known as Annual | | | | understanding of what it is your are buying or not. |
| Travel Insurance. | | | | Treat it like any other agreement, read it carefully |
| With an annual multi trip travel insurance you can | | | | and ask your questions. So: |
| take unlimited trips in a 12 month period. It is ideal for | | | | - Always ensure you buy from an insurance provider |
| anyone who takes more than 3 trips a year, | | | | that is regulated by the government, like the FSA ( |
| especially for anyone with a family because most | | | | Financial Services Authority ) in the UK. if in doubt |
| multi trip insurance allow for up to 4 children for free. | | | | ask! |
| Benefits and advantages of multi trip insurance: | | | | - Always READ THE TRAVEL INSURANCE POLICY |
| - Take unlimited trips annually. (depending on the | | | | DOCUMENT and ensure you fully understand what it |
| insurer, each trip duration limit can range from 30 | | | | covers and does not cover! If in doubt, ask! |
| days to up to 60 days). | | | | - Buy your travel insurance as soon as your travel is |
| - Children are insured for free, usually up to 4 children | | | | booked because some of the coverages start as |
| under the age of 18. Please note that children are | | | | soon as you purchase, like protection against |
| covered only if they travel with one of the insured | | | | accidents or other eventualities that may force you |
| adults. | | | | to cancel your trip. For example, please see Section 4 |
| - Some of the insurers throw in a Free Ski Insurance | | | | of our Policy Document. This is very important and |
| ranging from 7 days - 21 days annually. | | | | most insurance companies offer this. |
| - Few Annual Travel Insurance provides domestic | | | | - Generally, travel insurance does not cover natural |
| travel insurance. This usually has a minimum distance | | | | calamities and they usually state that under what is |
| and will require a hotel stay as well. The domestic | | | | not covered. So.... READ THE POLICY! If they have |
| travel insurance cover makes the Multi Trip Insurance | | | | not excluded natural disasters, it usually means that |
| even more compelling economically. | | | | they do cover - but its always best to ask. |
| - It works out cheaper if you take 3 or more trips a | | | | - Some Travel Insurance Companies will only payout |
| year, especially if you add up all your business and | | | | over and above any other coverages you may have |
| holiday travel cover. | | | | for certain eventualities. Eg. if your your jewelery is |
| - Multi Trip Travel Insurance cover is ideal for | | | | covered under your home insurance and you lose it |
| contract workers who have to travel a few weeks | | | | on your trip; the trip insurance company will not pay |
| at a time on project related work. | | | | you for that loss. So... READ THAT POLICY |
| Why You Need Travel Insurance | | | | CAREFULLY! |
| We are most vulnerable when we travel and Trip | | | | - When booking Travel Insurance you need to count |
| Insurance is the only way to protect yourself for | | | | the start day and the end day. E.g. if you are |
| monitory loss incurred due to circumstances beyond | | | | departing on 10 March, and arriving back on 15 March, |
| your control. These eventualities can occur at any | | | | its 6 days and not 5 days! |
| time before or during travel and its essential to have | | | | - Evaluate on the benefits that you really need and |
| protection against them. Here are some examples of | | | | don't get taken in with the pointless coverages, like |
| why you need travel insurance: | | | | high coverage for death - because you are already |
| - You meet with an accident on the way to the | | | | covered under your life insurance. Stay focused on |
| airport and subsequently miss the flight to your | | | | the coverages you need. |
| non-refundable holiday. | | | | - Check the Excesses. Excess is the amount you |
| - You or your family member falls ill a few days | | | | have to absorb when you make a claim. E.g. If the |
| before the holiday, forcing you to cancel your trip. | | | | Excess on your Personal Possessions Coverage is |
| - Your baggage is lost or delayed by the airline and | | | | USD 150 and you proceeded to lose you the brand |
| you are forced to buy the essentials. In the event it's | | | | new $500 dollar watch you bought on holiday; the |
| lost, the airlines pay very little as compensation, so | | | | insurance company will only pay you $350! So the |
| you need insurance. | | | | lower the excess the better! Some companies refer |
| - You or your family members meet with an accident | | | | to this as deductible! Companies with low premiums |
| or fall ill and require medical attention or surgery | | | | usually have high Excess amounts. |
| whilst on holiday. This can prove to be very | | | | - If you have any doubts, contact the insurance |
| expensive depending on which country you are in, | | | | company before purchase. |
| especially if it requires medical evacuation. | | | | - Check the coverage ceiling. E.g. the total travel |
| - You accidentally damage someone else's property | | | | insurance coverage for personal possessions for any |
| or person and require legal representation and or | | | | one trip will be limited to a certain amount. So if you |
| have to pay 3rd party damages. | | | | are planning to take your expensive jewelry, check |
| - Travel insurance for activity holidays like skiing, etc., | | | | how well you are covered. The same applies for |
| where there is a greater change of injury, damage | | | | travel cancellation, if you trip cost is exceeds the |
| and loss. | | | | travel cancellation ceiling, then you need to get |
| - In case your expensive equipment or possessions | | | | additional cover. |
| like jewelry, camera, ski equip, etc., is damaged, | | | | - If you are just visiting a friend or relative for the |
| stolen or lost. | | | | weekend; check the extent of your prevailing life, |
| - You are forced to evacuate because of a natural | | | | accident, medical coverage. If its adequate and you |
| calamity and lose your possessions in the bargain. | | | | are not risking any cancellation charges, then you |
| Some situations require emergency evacuation as | | | | may not need any Travel Insurance. You need to |
| well. | | | | weigh the risk against the coverage you'd have to |
| - You and or your family members get food | | | | pay. |
| poisoning and needs hospitalization. | | | | - If you travel frequently, always check-out the |
| - You need someone to fly out to you in the event | | | | annual multi-trip travel insurance coverage, it could |
| you are hospitalised. | | | | prove to be extremely cost effective. However, |
| Buying Tips | | | | even though the multi trip travel insurance allows you |
| With Travel Insurance what you are effectively | | | | unlimited trips, there is usually a limit on the duration |
| buying is an agreement whereby the insurance | | | | of each trip - most allow up to a month & some like |
| company agrees to pay against insured eventualities. | | | | HolidayGuard even throw in 17 Days free ski |
| Therefore, it is absolutely essential that you have full | | | | insurance coverage with the multi-trip insurance. |