With people starting to travel abroad again in great numbers and Covid-19 still very much present, the question of travel insurance is once again top of mind for many.
If your holiday is cancelled or if something goes wrong while you're away, travel insurance is designed to cover some - or all of the costs.
For many, travel insurance is an afterthought once the trip is booked. However, David Hughes, Director of online insurer GetCover.ie, said in an emergency, travel insurance often becomes critical. "Get your travel insurance right, before anything goes wrong," he urged. What type of travel insurance is on offer? There are three different types of policies you can choose from – a single trip policy, an annual policy or a long-stay policy, sometimes referred to as a backpacker policy.
Some providers also offer specific insurance for business related trips. Mr Hughes said you should have a clear travel plan before choosing your policy. "If the person intends travelling once for 14 days or less, a single trip policy is ideal," he said. "If the intention is to travel more than once during the year, or if the trip is likely to last longer than 14 days, an annual policy often works out cheaper," he explained.