7 Common Types of Travel Insurance Policies
Single-trip policies cover one journey from departure to return — ideal for occasional travellers or those planning a single holiday, cruise, city break or adventure. Annual multi-trip insurance provides 12 months of cover for multiple trips (often up to 31–90 days each) — perfect for frequent flyers, business travellers or families who holiday several times a year. Family policies bundle coverage for two adults and their children (usually under 18 or in full-time education) — usually cheaper than buying individual plans. Senior traveller policies cater to those aged 65+ with adjusted medical limits and higher premiums reflecting increased health risks. Adventure/sports policies extend cover to high-risk activities — skiing, scuba diving, trekking, bungee jumping or extreme sports — that standard plans exclude. Backpacker/long-stay policies protect extended trips (6–18 months) with worldwide medical cover, cancellation and personal belongings protection. Schengen/Europe-only policies meet visa requirements for European travel with the minimum €30,000 medical coverage mandated by Schengen countries.