Travel Insurance Guide for villa owners

When going away on holiday – be it a city break or a backpacking trip – making sure you pack some travel insurance before you jet off is essential for ensuring that you are protected should you need medical assistance or are taking expensive items with you.

Travel insurance should be one of the main items you should pack when holidaying abroad. Policies can cover every kind of situation – from flight cancellations to repatriation costs if you need to fly back to the UK to receive medical treatment as a result of an accident.

Travelling without cover can often lead to expensive medical costs, which can vary greatly depending on your destination, and could very well leave you out of pocket at the end of your holiday.

There are a wide variety of policies to suit every kind of traveller, so research is key when it comes to selecting the policy that’s right for you. Consider what you’ll be looking to do with your trips – be it taking part in activities or sorting out details to do with your holiday home – and whether it’d work out cheaper for you to buy individual policies for each trip or cover for an extended period of time.

When deciding on a policy it is important to bear certain factors in mind, such as:

· Which country are you travelling to?

· What activities you plan to participate in? – this includes water sports and extreme sports.

· How much luggage do you want to take with you and what will be the value of it?

· How often are you thinking of flying?

For short trips, a single travel insurance policy will usually be enough to cover you for some medical costs, but if you’re a more frequent flyer it can be better to look for an annual policy.

Annual travel insurance will cover you for an extended period of time, rather than a single trip. If you own a holiday villa and are travelling frequently to and from the UK, purchasing annual policies could work out cheaper in the long-term.

If you own a property abroad, it is also important to ensure that you and your belongings are covered at all times. Researching home insurance policies abroad should be one of your main priorities when selecting where you want to move to.

So whether you’re looking to travel frequently or are jetting off to go backpacking, annual travel insurance could be the best option for ensuring you’re covered against any accidents or theft.

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