Types of travel coverage for different situations

Be it the backdrop of the iconic Eiffel Tower or the Seoul Forest in Korea, it is an emerging trend for budding photographers to travel overseas in search of the perfect picture. The need to bring along your camera equipment would mean that there is a risk of it being damaged or even lost in transit. To reduce any potential repair or replacement costs, look out for travel insurance plans that provide coverage for luggage loss or damage.

Being a foodie at heart, you’re always on the lookout for new and interesting kinds of food on your trip. But as much as you may enjoy trying the local street food in a foreign country, it would be wise to only do so when you have insurance protection at hand. That is because food poisoning cases are not uncommon overseas and can chalk up high medical costs. As such, do look out for travel insurance coverage that includes hospital benefits abroad.

When visiting a different country, there are few better ways to sightsee than going on a road trip—just think about driving down that incredibly scenic Great Ocean Road in Australia. Unless you have friends or relatives lending you the keys to their cars, most people would choose the rental option. If you know that you will be renting a car overseas, do some research on the excess (or deductible or similar condition) which makes you liable for the loss or damage to the vehicle from the rental agency. And after your research, make sure that your travel insurance is able to cover at least some part of that excess.

Children can be more susceptible to food poisoning in a different country, as well as knocks and injuries in hotels that may not be child-proof. With this in mind, it is wise to purchase family insurance packages that not only cover for your whole family (including kids and the elderly), but could also be offered at a cheaper rate when compared to individual travel policies.

Heading overseas for work instead of leisure? Unlike people on a vacation, it can be very stressful and hectic for you. If you’re headed to a new country, the food and weather can also take some getting used to.

As a result, your immune system may be weakened, making you more prone to falling ill overseas. If you travel for business frequently, an annual travel plan that covers overseas doctor visits could be just the thing for you.

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