You can buy holiday insure for travel insurance either as a single trip policy or an annual one. In most cases if you intend to go away more than once a year, you may find it cheaper to buy an annual travel insurance policy rather than 2 single polices.
Many of us are not aware of the cost of treatment in other countries; The USA for example can be very expensive for any treatment given. Very often the first thing asked is “Do You have insurance?†This often dictates which hospital or services you are directed or taken to.
You can still buy single trip travel insurance, often at prices well below what your local holiday agent would offer you. This can be very cost effective solution if you know you will only be travelling once this year. However if you intend travelling more than once, then you should compare an annual policy to two single policies.
Look out for any age restrictions to family policies that included children. Some policies may say that you require an adult policy for a 16 year old, even if they are still at home and at school. Some policies may allow that child to remain on the policy so long as they are at home and not in full time employment. If you have children at this age, you should check the small print.
Not being able to speak the language can be a real problem when using your holiday insure for travel insurance whilst abroad. Often your chosen company will have English advice at the end of a phone to help you through the situation.
