People purchase travel insurance in case something might go wrong on their travels. And while travel insurance is helpful, it may not be financially beneficial for all travellers.  

Also due to the fact that travel insurance policies don’t work the same and all terms aren’t defined the same way. It’s an individual’s choice to decide what the best travel insurance cover they need for their specific travel situation.

But the three important risks to make sure you’re covered for when you travel are medical expenses, cancellation and baggage and belongings cover.

Whether you’re a business jetsetter or leisure traveller here are some of the best travel insurance cover to consider.

An ideal cover for backpackers and long-term travellers is Long Stay Travel insurance. 

Traditional holiday insurance doesn’t provide cover for the travels abroad that are for longer periods of time, typically from 6-18 months. Backpackers who choose extended trips and who may be financing their overseas holiday with casual work in the countries they visit can benefit from this type of insurance.

An additional benefit is that protective cover is often provided for a diverse range of activities that a standard travel insurance policy wouldn’t normally cover.

If you travel a lot for business choose annual cover  

Suitable for those who travel more than three times a year. As getting an annual policy that covers the entire year’s travel for one fee is likely to cost you less than buying separate single-trip policies. And annual policies usually cover trips up to a maximum of 31 days.

SA Insurance Providers for business travel include FNB, Hollard, Flight Site, Santam, Ace Insurance and Easy travel insurance.

While a Family Travel Insurance policy is ideal if you’re travelling with children

The policy is often restricted to children under 16, 18 or 21 years of age. And it’s there to ensure that each member of your family is covered for a number of eventualities for the duration of your trip. This type of insurance policy can vary from insurer to insurer so it’s worth reading the small print to make sure there are no restrictions. Such as age, family residing at the same address, whether you’re a single parent family and if free cover is offered for children under a certain age.

SA Insurance Providers for Family Travel Insurance include Hollard Travel and Easy travel insurance.