While many travellers associate travel insurance with bucket-list vacations or luxury cruises, it’s essential for protecting all types of trips—from adventurous getaways to study abroad experiences.
US travel insurance marketplace Squaremouth highlights four types of travellers who can benefit from travel insurance.
Coverage for adventurers
This year, many travellers are opting for adventure travel over traditional R&R. Adventure travel insurance policies offer specialized coverage with built-in protection for high-risk activities that are generally excluded by standard policies, such as scuba diving, surfing, motorcycle riding, and ziplining. Even hiking with ropes or a guide may be excluded under some standard policies, making these tailored plans essential for adventurous travelers.
Protection for backpackers
Backpacking can be a fun and cost-effective way to visit multiple destinations, however, it can put a traveller’s essential luggage at a higher risk of being lost or damaged. Most travel insurance policies can refund some of the cost of luggage or personal items that are lost, damaged, or stolen during a trip.
Coverage for students
Students studying overseas for months may find their domestic health insurance doesn’t cover them internationally. Student travel insurance is a cost-effective option that provides medical coverage for the duration of their stay overseas.
Frequent travellers
Annual travel insurance plans, or multi-trip policies, provide 12 months of coverage for an unlimited number of trips, offering benefits like emergency medical, medical evacuation and travel delays. Multi-trip plans are often more affordable and convenient than individual policies, but they generally lack cancellation or interruption coverage, making single-trip insurance a better option for those who need those benefits.
