October 19, 2007, Newsletter Issue #60: Traveler Insurance Explained

Tip of the Week

As a student, the type of traveler insurance you need will depend on the type of trip you are taking, the location you will be visiting and the duration of the trip. To start with, students may need to decide between single trip and multi trip traveler insurance. There are also traveler insurance policies to cover students who plan to visit different countries for different lengths of time. Some insurance providers also provide specialist traveler insurance. Some examples are:
- traveler insurance to cover students who only need insurance for flights. This type of insurance is likely to cover travel for a limited duration, loss of luggage and cancellation or curtailment of flights.
- traveler insurance for those who are studying abroad. This might include cover for a laptop, PC, camera or other study-related electronic device
- coverage for students planning a skiing trip. This type of traveler insurance policy can cover a range of winter sports and activities, as well as equipment, emergency medical care and a lack of snow.
- traveler insurance policies for extreme sports such as abseiling and microlighting.

Many traveler insurance policies have conditions and exclusions, so it is worth reading these carefully to make sure the level of insurance cover is appropriate for the chosen activity.

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