3 Times You Really Need Single Trip Holiday Insurance

For many people, an overseas holiday is the trip of a lifetime—something they plan for many years, often saving up every penny they can spare and making very hard decisions on what they can splurge or economise on. During such financial debates (with ourselves or others), the cost of travel insurance is often brought up. There are many advantages to taking out single trip holiday insurance and there’s no question regarding its usefulness, but is it a necessity?

We say yes. For one thing, unlike other sorts of policies that may provide limited coverage, good single trip holiday insurance can be catered to the specific situations and needs of your trip. Below, we list several specific situations where having the right kind of coverage could spell the difference a great holiday and a disastrous trip.

You Are Travelling With Children

Every parent knows that children are unpredictable. Not only do they have a tendency to lose things and get lost themselves, they can also get sick or hurt. Having a health or medical emergency can be difficult enough under the best of circumstances, but it can be especially harrowing when you are on foreign ground with no access to your usual avenues of care. Time is of the essence during an emergency, and with the medical coverage provided by a good single trip holiday insurance policy you'll have access to immediate and comprehensive emergency and medical services, whether for in-patient or outpatient care.

You Are Travelling to An Unstable Environment

You may ask, why would one ever travel to a politically unstable or environmentally unsafe location for a holiday? Travelling in itself involves a certain amount of risk and many incredible places, while not exactly dangerous, may offer their own specific risks. For example, some of the most amazing areas in the Mediterranean often have active volcanoes, and the most beautiful tropical islands are often susceptible to monsoons. Or it could be that you're visiting relatives in less politically stable countries. Whatever the risks, having single trip holiday insurance with evacuation coverage can help keep you safe in the event of a worst-case scenario, including medical and emergency care, should they be needed.

You're An Adrenalin Junkie

One of the best reasons to travel is to see awe-inspiring places that challenge us to be the best we can be – to ‘find ourselves’ and push our limits. For many, this may involve nothing more than getting out of their comfort zone and having new experiences like trying unfamiliar cuisine, meeting new people, or learning about a new culture. Many people, however, prefer to push themselves to do exciting, sometimes even downright dangerous, activities or sports. For such activities, being careful and prepared for every eventuality is key, and this includes planning for things going wrong. If you’re going to swim with whales in Tonga, or hang glide in Rio de Janeiro, for example, you’ll definitely need to purchase single trip holiday insurance extreme sports or adventure coverage, because injury from these activities will not be covered by your regular life or health insurance.