Do I Need Travel Insurance for City Breaks Abroad?

Whether you intend to travel across the world or stay closer to home, it is important to invest in some form of travel insurance prior to embarking on such a trip. A typical policy will cover stolen baggage, lost baggage, misplaced and stolen cash, cancelled and delayed flights, etc.

All of the above situations do occur and it is important that you are prepared for each scenario. Some policies offer a variety of useful extras; it is important to read up on the various forms of cover available rather than investing in the first one you see.


There are various styles of cover available, some of which include family cover, single trip travel insurance and annual travel insurance. Your current circumstances will usually determine which policy you choose.

Single trip travel insurance is purchased each and every time you go away. This is the ideal choice for those that only take one trip a year or those that have decided to embark on a weekend city break.

Annual travel insurance is the ideal option for those that take more than two trips a year and is actually cheaper than investing insurance every time you go away, it is also extremely convenient and gives you less to worry about!

Those that enjoy travelling spontaneously quite frequently will more than likely invest in annual travel insurance. Family travel insurance is a policy used by those travelling as two adults plus children. This allows the family to buy into one policy to cover all as opposed to several policies for the entire family.

The important thing to remember is that travel insurance protects both you and your family when on holiday. It covers a range of possible problems, some of which are quite simply inconvenient, whilst others are catastrophic!

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  1. james frenkline

    While traveling abroad there are certain precautions you must take; you need to take care of your valuable belongings, always take care of your money, keep it on you at all times. Don’t separate from your group and never walk anywhere alone. These types of risks are always on your mind when travelling which can leads to increased stress levels.
    The most important decision you need to make when planning your holiday is your choice of travel insurance policy. This gives you peace of mind during your trip, knowing that unexpected situations, such as an unforeseen illness or accident, will be covered.

    1. Jerico

      Yes. It’s always good to call and ask from the vtioacan to find out what you need to do. I was delayed once (because our plane hit a bird and smashed the windshield of the plane), so I called the travel insurance company from the airport to get the details of what I would do and what I would need. The answer was that it needed to be more than a 4 hour delay which it turned out not to be so I didn’t waste time with any claim. The take away lesson is bring the papers with you and call to ask.

  2. Apostol

    Sure, pay for the visit out of pocket, inatesd of using insurance. The policyholder (your father) will get an explanation of benefits, showing the doctor charge. If you’re NOT a dependent of your father, you should have your OWN coverage. As long as he’s covering you and both of you are agreeing that you are his dependent (otherwise, you wouldn’t be using HIS insurance!), he’s entitled to this info.

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