Choosing a travel insurance policy is not exactly an exercise one looks forward to with excitement. You rarely find anyone who is enthusiastic about premiums, the extent of cover, and the feeling of putting pen to paper on a policy document! Most people would much rather be wistfully imagining rolling waves, endless beaches, imposing monuments and mountains of fun.
But putting effort into finding the right policy is as important as putting effort into the itinerary of your trip, especially if you travel frequently.
Why face risk?
You may be an optimist, feeling yourself impervious to danger or thinking that most hazards in strange places are exaggerated by the fearful; or you may be a pessimist, feeling sure that if the worst could happen, its bound to happen to you. Risk does not care either way. A realist realises that risks are dependent not merely on your outlook, but the nature of your trip and destination. This is why for the frequent traveller, annual travel insurance is never a waste of money. In the event of an accident, injury, mishap or loss that affects you, your family or your belongings, you will not regret having the safety net of a solid policy.
Why waste money?
Once the regular traveller realises, however begrudgingly, the need for a solid policy, attention invariably turns to money. Since it all lies in the realm of risk and potential, you should ensure you only pay for what you need. The benefit of good annual travel insurance plans is that they focus on giving the consumer plenty of options, while making sure that in light of the destination and type of trip to be taken, you’re not paying for anything you won’t need.
Why waste time?
Your travel time is precious – and so is the time taken to plan every trip. Buying a separate policy every time not only wastes money, it consumes time. This is why annual travel insurance is so helpful. Furthermore, it gives you a chance to focus even more on making the most of a short business hop to Brussels, taking advantage of a regular foray into the Amazon for an ongoing field study, or spending your cash beach-hopping around the Mediterranean.
Why not benefit?
The greatest benefit of annual travel insurance lies in the peace of mind it gives you. But you also have access to extras like free cover for children, free cover for cruises and golf gear, 24 hour contacts, and even bonus access to certain perks. This makes your cover seem less like strain and more like shopping! But all the while you should remember that you can’t put a real price on peace of mind.