Home > Travel Insurance Traveling involves an element of uncertainty that a traveler places upon the possibility that their valuable and planning-intensive trip may not proceed as scheduled, or that there may be some unforeseen peril to be sustained during a trip. Travel insurance has been developed in order to protect a person before, and throughout the duration of a trip, excursion, or vacation. The benefits of a travel insurance policy can be established to protect not only the policy holder, but also spouses and children of a policy holder. The protection that this type of coverage offers can be utilized in an assortment of cases, including the following: -Vacation or Trip Cancellations -Personal Liability -Emergency Medical / Dental Costs -Accidental Death -High Limit Accident -Baggage Losses -Emergency Evacuation -Flight Insurance -Rental Car Collision and Damage -Delays and Interruptions -24 Hour Travel Assistance -Hijack and Mugging -Loss of Money or Passports Forms Of Travel Insurance Coverage All of the preceding coverages can be applied to these forms of travel insurance: Single Trip - A policy is purchased for a specific trip within a certain time of departure for that trip. Can be a short-term or long-term trip. The term "Longstay" can be used to designate a long-term-stay travel insurance arrangement. Multi-Trip Or Annual Travel Insurance - This type of policy is purchased for an extended time period, typically of 1 year, during which the policy holder may exercise multiple trips while maintaining insurance coverage throughout their travels. Rendering the purchase of separate travel insurance policies for each trip unnecessary, this form of coverage especially suits those persons who travel frequently. There are normally restrictions on the duration of each trip, usually specified in a maximum number of days per excursion. Specialized Coverage In addition to the typical insurance coverages that may be included in a travel insurance policy, there are also a range of more specialized types of coverage, which offer protection that is more specific to the type of activities that are to be performed during the trip: -Ski / Wintersports Insurance -Golf Insurance -Cruise Insurance -Hazardous Activities Insurance -Adventure Travel Insurance -Senior Citizens / Over Age 65 Insurance -Backpacking Insurance