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While travelling can be exciting, it can at times also has risks and while a certain amount of risk is acceptable, there comes a point where it is better to be safe than sorry. I never travel without insurance but it always surprises me when I meet people who do, in my opinion, it is just not worth taking the risk and potentially ruining the trip of a lifetime. Alongside your standard travel insurance, there are now also many additional travel insurance extra options which you purchase on top to ensure you are fully covered in all circumstances.
The top 5 travel insurance extra options that most travellers opt for:
An excess waiver option is an additional cover that, in the event of a claim, any excess charges you may incur due to an accident or theft. Depending on the policy you have taken out, your excess may actually be quite high (this is something you should be sure to look into when taking out your policy!), normally this is a compulsory excess but if you are not sure you have this money available if the worst happens, then consider purchasing an excess waiver.
Dangerous Sports or Activities
When I travel I try to scuba dive as much as possible, this is not covered under my normal insurance policy, therefore I always purchase the additional ‘Hazardous sports cover’. This covers me if I decide to bungee jump, parachute or any other adrenaline filled activity.
While I may not be the most adventurous of people, and it is unlikely that I will decide to abseil off a cliff, it is nice knowing I have the option, which is why the Winter Sports Cover or the Hazardous sports/activities cover is one of the top selling extra options that travellers opt for.
Extra Cover for Valuables
Today, we all travel with expensive gear such as smartphones, GoPros, iPads and even drones. After all, these devices have become a part of our daily lives. Unfortunately, carrying such electronics also makes you a magnet for pickpockets and thieves. Which is why many travellers get extra cover for their valuables so that in the event of an unfortunate incident, you would still recover some losses.
Return Home Option
Some many people are now taking some time out and to travel the world. Whether you call it a gap year, some me time or even a career break, many more people are taking longer trips that can last for months, or even over a year. However, while you may have planned your itinerary down to the last detail, there are times when plans are interrupted and you may need to cut your trip short and go home. Because of this, many travellers top up their travel insurance with the Return Home option, which covers up to two trips home.
Repatriation Cover for South Africa, New Zealand and Australia
While many worldwide travellers may use the UK may be a perfect travel base, there are many times when you may need to travel home. South Africans, New Zealanders and Australians based out of the UK can get the Repatriation option as an extra cover so that they can travel home in case of a medical emergency. This cover is really helpful since an air ambulance or medical support could end up being seriously expensive.
These may be the top 5 most popular travel insurance extra covers, but there are tons more to suit your needs so that you can enjoy your travels without worrying about what may happen in case of an emergency.
This is a paid post in collaboration with Globelink.co.uk