10 benefits Why you will love a package holiday

10 benefits Why you will love a package holiday

Get ready for Summer!



A package holiday synonymous to an All-in-One holiday or an All-Inclusive holiday is one way of vacationing. The concept was pioneered by Gerard Blitz, a Belgian water polo player. He established Club Med in 1950, implementing the idea of a “package”, an all-inclusive resort. The idea took off to become a popular and fastest growing ways of vacationing. It was a brilliant concept then, and, still is today. The concept of an all-in-one package holiday is a flexible one, which could be designed to include families, couples or solo travellers.

Although I am an ardent advocate of designing your own adventure your way – a DIY vacation, I am also a believer of choosing what suits you best for the time of the year you are vacationing at the destination you will be visiting. Be it an adventure trek, camping in the mountains, slow travel or a beach holiday – you should do what best suits you. I have experienced package holidays many times in the past because it suited the occasion. I note below a few of my experiences.

My experiences of package holiday & Why I recommend it

My experiences with package holiday began many years ago when my children were toddlers. It was one of the best options for family vacation.

Our family vacation to World Disney Resort in Florida was a package holiday. The package was an all-inclusive one. It suited us well because my children were with other kids of similar age. We stayed at a resort within the park and had free popcorn and unlimited beverages. We watched the fireworks at night from the balcony of our hotel room. At breakfast, we were entertained by Disney characters. My kids had a fabulous time and many happy memories. Our trip to Disneyland Paris was also similarly packaged.

When we visited Morocco for a week, it was a luxury, an all-inclusive package. The package included three meals a day and unlimited drinks. The resort had a wellness spa centre for women which I used for a small fee.

We experienced similar positive experiences at Port Aventura in Spain, Phuket in Thailand and Penang in Malaysia.

Given all of my positive experiences with package holiday, I cannot recommend it high enough. I have put together 10 superb benefits why you will love to experience one as well.

Disclaimer: This Post and all related posts may contain affiliate links including Amazon LLC. This means that I earn a commission, from qualifying purchases at no cost to you, if you click on a link and make a purchase. Access full disclaimer here or get in touch with me via Contact form if you have any questions about any of the companies. You could also take a look at our Trusted Partners



What is a package holiday?

Before I go through all the benefits of a package holiday, we need to appreciate what is meant by the term “package holiday”.

A package holiday is a deals package with flights, transfers, and accommodation. It may sometimes include food and beverages. Packages are usually for a 7-day or 14-day in duration at a time, with a beach type destination, although not always.

Package hotel - example of a hotel

For British holiday makers, a package holiday is a popular style of vacationing. They can get a low cost deal with no stress of booking at multiple sites. According to Association of British Travel Agents (ABTA), about 46 per cent of holiday makers opt for a package holiday each year.

However, It is not just about the no fuss no stress deals package that makes it an attractive option. There are other upsides as well. Travellers on package holidays are generally protected financially. The protection includes certain assistance guarantees that does not come with a DIY holidays. More on this below.

The 10 superb benefits of package holiday

1 | Package Travel Regulations

Package holiday regulation imagery

A UK traveller benefits from the financial protection afforded by UK legislation when the package falls within the The Package Travel and Linked Travel Arrangements Regulations 2018. (The Regulations)

1.1 | Financial protection under The Regulations

The Regulations sets the benchmark for travel providers to advertise their holiday packages honestly and ensure that it is delivered as described to their customers. The customer has the right to expect that the holiday booked and paid for matches the description given when it was bought. Basically, you must receive what you pay for.

Furthermore, the Regulation sets out the travel provider’s responsibilities of care in the event should something go wrong during any component of the holiday booked with them. Essentially, the travel provider has a legal duty of care to make sure that their customers are safe, help them resolve problems and make any necessary refunds.

Therefore, if the package holiday fails to match how it was described, The Regulations gives you the right to ask your holiday provider to put it right. If the holiday provider fails or unable to do so, you can claim compensation.

Pro tip: Pay careful attention to how the package holiday is described by the travel provider in their brochure, website or via their agent.

1.2 | What is a “Package Holiday” within The Regulations?

To benefit from a claim under The Regulations, the package bought must meet the definition or have the features that of a “package holiday”. Typically it should be:

Advertised as a package or all-inclusive deal;

That the holiday was bought for an inclusive or total price;

That more than one part of the holiday such as flights and accommodation was bought from one holiday provider with one payment;

After booking one part of your holiday, you were prompted to buy another. You did not have to enter your personal and payment details again. You completed all of the transaction within 24 hours of the first booking.

In other words, if your holiday looked like a package deal when you bought it, then it probably is.

You can still benefit even if your holiday does not fall within the above features provided it can be a ” Linked Travel Arrangement”

1.3 | Linked Travel Arrangement

A Linked Travel Arrangement is when you buy one service from a travel provider and you are then prompted to buy another but on this occasion your personal information and payment details aren’t transferred. Also, you must buy the additional services within 24 hours of each other for them to be considered a Linked Travel Arrangement. The first travel provider has the responsibility to inform you that it is a Linked Travel Arrangement.

The Linked Travel Arrangement provides limited protection – you get your money back only when the provider goes into insolvency.

2 | ATOL and ABTA Protection for package holiday

The other two elements of your holiday protection are ATOL and ABTA.

2.1 | ATOL

Under UK law, your holiday is protected if it is a package holiday. Every travel company incorporated in UK that sells air holidays and flights is required to hold an ATOL.

ATOL – Air Travel Organiser’s Licence is a UK financial protection scheme and it protects most air package holidays sold by travel businesses that are based in the UK.   The scheme also applies to some flight bookings, usually those where you book flights (including UK domestic flights) but do not receive your tickets immediately.

UK Civil Aviation Authority

ATOL bonding scheme is where a £2.50 ATOL fee is built into the cost of your flight that guarantees you a refund and/or a flight home if the airline goes bust.

In addition to ATOL, there is also protection afforded by ABTA.

2.2 | ABTA

ABTA is the operating name of what was formerly known as the Association of British Travel Agents. It is UK’s largest travel association, representing travel agents and tour operators. ABTA enforces standards and provide insurance for holidaymakers in the event of financial problems for travel companies.

ABTA has been a trusted travel brand for 70 years, offering advice and guidance to the travelling public, as well as leading the travel industry in supporting high service standards, working with our Members on health and safety, and promoting responsible tourism at home and abroad.

Our offer of support, protection and expertise means you can have confidence in ABTA; and a strong trust in our Members. These qualities are core to us as they ensure that you remain confident in the holidays and travel experiences that you buy from our Members.

ABTA

In essence, ABTA’s bonding scheme ensures your costs will be covered in the event that your travel provider goes out of business.

3 | Easy Booking Process

Package holiday beach imagery

An easy booking process is evident when you do a package holiday. On an online booking, all it takes is a few clicks, and you are done.

You do not have to go to different websites to book your flights, accommodation and transfers separately. You do not worry anymore about searching and matching the cheapest flights with the best hotel deals.

Meals and beverages are often included In an all-inclusive deal. This means you do not have to search for restaurants in the vicinity.

Everything is arranged for you by the travel provider under one transaction. You receive one confirmation. You have all your essential information in one place. You do not have to keep track of various booking confirmations.

Another key benefit of most package holidays is that some destinations come with an in-resort representative. This ensures help is at hand if there are any problems while you’re away.

4 | Saves time

Along with an easy booking process, a package holiday saves you time as well. A package alleviates the need to book individual components which is time consuming. You can basically book the whole package with a few clicks, and you are done.

5 | Stress free

With everything done in one booking, it alleviates the stress of looking and matching various deals. Worries are off your shoulders. You only now need to ensure you are packed on the day to board your flight.

6 | Cheaper prices and Great value for money

Cheap does not necessarily mean good value. Package holiday tend to work out cheaper than a DIY holiday in most situations. This is because many holiday providers struck deals with airlines and hoteliers, and buy flight seats and rooms in bulk to create their package. They benefit from huge discounts and they pass these on to their customers. The package or bundles such as “flight + room” is not available for public purchase.

However, a package holiday also comes with good quality accommodation and facilities. Holiday providers will try and provide the best package because they have stiff competition in the industry. You are likely to get the best value package and the best quality accommodation for the holidays you select.

For skiing and other winter sports holidays, package deals are usually better value. Holiday providers usually run their own accommodation in the mountains, offer lift passes and equipment hire in the package.

Buying a package holiday is also a great way to save money. Often, the package includes meals and drinks, in which case there are no additional expenses involved. Moreover, as flights, accommodation and maybe meals/transport are paid upfront, prices are more transparent from the outset, allowing for effective budgeting during holidays.

7 | Facilities and Entertainment

In general, each resort and hotel at the package holiday destination offer various facilities and entertainment for their guests. These usually consists of cultural nights, comedy shows, or live music nights.

Some of these high-end hotels and resorts offer sports facilities such as golf or tennis, a well equipped fitness zone and a spa and wellness facilities where you can pamper yourself for a small fee.

8 | Affordable luxury in a myriad of options

There is no denying that holiday providers specialising in package deals offer a myriad of options. From high-end five star luxury holidays, glamorous ocean cruises, to three-star average experiences or budget alternatives. The high-end ones are often affordable and therefore doable for many which would otherwise be an unreachable experience.

There are many types of package deals to suit everyone’s needs and financial plans. You just have to decide which one is best suited for you.

9 | Safety

Safety is not something often thought of when vacationing but it is also not too far off from anyone’s mind when travelling to a precarious zone. if a situation should arise, for example, a local coup or a natural disaster like the volcanic ash clouds, you know that you are not alone. The package holiday provider has a duty to safeguard you and your family and ensure your safe return home. You mat also be within reach of a representative.

Moreover, if you decide to visit a dangerous zone, then being in a resort which is usually a secure area will be the best option.

10 | Opportunity to socialise with people who share the same interests

Last but not least is the opportunity to socialise with people who share the same interests as you. For example, if you opt for a family package, it offers you the opportunity to meet other families as well. This makes a great occasion for kids to play together and make friendships. In a way, you know you have more sets of eyes watching the safety of your kids than just you. Moreover, a family vacation destination usually organise activities for kids or they may have kids club where parents can take a breather while leaving their kids in a safe and secure environment.

The opportunity to socialise is also present when you book a ski package or beach holidays.


What do you think? Is a package holiday your kind of vacation? If so, you will find some practical resources to use for booking your dream all-in-one package deal below.

Practical resources to booking your package holiday

Get great value and know the cost upfront so you will have a worry free holiday. Browse through some of the best package deals offered by On the Beach and Jet2Holidays.

Timeless incredible holidays with n the Beach
Jet2Holidays
easyJet Holidays Protection Promise

Do not leave home without travel insurance from World Nomads


Need more ideas to plan your vacation? Visit my Travel Resource page for inspiration and choices in trusted partners.


Is this post valuable to you in planning your package holiday? If so please let me know in comments below or via Contact Form, I would love to hear from you.

Have a splendid vacation.

Georgina xx

**All photos are courtesy of Canva

If you choose to #travel, travel safely | #staysafe #stayinspired | Read now to #travel later. For latest on Covid-19 go to: CDC.GOV | WHO International


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A Complete Guide to Travel Insurance

A Complete Guide to Travel Insurance | Everything you need to know about Travel Insurance – the Why, What & How to select the best

We don’t think about the unexpected to happen when we are on holiday but if the worst does happen, we want to be protected from hefty costs and medical bills.

About this post on Travel Insurance

Travel insurance is the Most Important thing you will need besides your passport and money when travelling. You never know what could happen because we don’t think about the unexpected when we are on holiday. Most health insurance plans don’t cover you when you travel abroad. Travel insurance cover injuries or illnesses so you would be able to seek medical attention. It also covers accidents that might happen to your belongings such as if your camera falls into a lake or river while you are photographing plus situations where it might be stolen. It covers trip cancellation or delays and personal liability as well. What all these means is that a Travel Insurance is an absolute must when planning your holidays.

The type of cover you need will depend on the countries you’re visiting, the activities you’ll be doing and the length of your trip. You’ll also need to decide whether you want travel insurance for a single trip, multiple trips or for backpacking. With so much to consider, I decided to put together this list of considerations so it is clear what to look out for when purchasing a holiday insurance.

A synopsis of this post on travel insurance

First up in this post you will find reasons why travel insurance is important and why you should not leave home without it. I make a brief mention of what you need to consider when purchasing and offer suggestions on the type of cover and factors relating to the type of holiday insurance you may need, With so many insurers offering so many different cover, it can be overwhelming to come to a conclusion. I have researched and have noted a comprehensive list of what makes a good travel insurance policy, and concluding with a summary guide to getting the right cover for the right price. I sincerely hope that this post will be of value to you.

Pin on Travel Insurance

Disclaimer: This Post and all related posts may contain affiliate links including Amazon LLC. This means that I earn a commission, from qualifying purchases at no cost to you, if you click on a link and make a purchase. Access full disclaimer here or get in touch with me via Contact form if you have any questions about any of the companies. You could also take a look at our Trusted Partners

1 | Why is travel insurance necessary?

When you are planning your holiday, you rather not be thinking about all of the things that might go wrong on your trip. However, these things can and do happen. If the unexpected does happen, you would want to be protected from hefty costs and hassle free resolutions. A primary reason why holiday insurance is important and necessary is because it covers you and your family on the trip. Medical attention in a foreign country can be very expensive. Depending on the country visited, medical facilities can be very basic. Signing up to the right policy can be indispensable. I found 13 reasons how the right policy will cover you:

1.1 | 13 reasons to consider why travel insurance is necessary

  • When you get sick and need to see a doctor;
  • When your medical condition worsens and you need urgent care;
  • When you need to be helicoptered out of somewhere;
  • When you need to be sent home;
  • When you have to cancel your trip;
  • When you experience delays and cancelled flights;
  • When your passport is stolen or lost and needs to replaced;
  • When you have to stay longer while awaiting your passport to be replaced;
  • When your money is stolen;
  • When your personal belongings are stolen such as your camera, laptop or any other electronics;
  • When your personal belongings are damaged and need to be replaced;
  • When your luggage is delayed or lost;
  • When you undertake sports or high risk activities such as skiing – accidents do and can happen in circumstances beyond your control such as an avalanche or volcanic eruption;

Given the importance of travel insurance and with so many providers out there – how would you choose the correct provider to suit your needs? I will lay out all the factors which I discovered in my research and share them with you in this post.

Now that you are aware why holiday insurance is necessary, the next step is for you to think about what factors you may have to consider when purchasing your travel insurance policy.

2 | What you need to consider when purchasing travel insurance

Obtaining the right travel insurance cover to suit your needs is important. It is important because you need to ensure that you are adequately covered for any eventualities for you and your family plus you don’t want to pay through the roof on a premium where you could pay less if you had done your research. The following are factors you may wish to consider when purchasing travel insurance: and will aide your decision when purchasing.

2.1 | Affordability

There are so many insurance companies offering products where the premium varies. Some are astonishingly cheap while others are exorbitantly expensive. Like all things you buy, you get what you pay for. You may not need all that is included in the policy. You need to choose a cover that you can afford and one that suits your needs;

2.2 | Peace of mind

Choose a policy that covers all eventualities in your given holiday such as emergency medical for extreme sports; suitable alternate accommodation in the event of floods, airline strikes and volcanic ash cloud. Ensure you are covered for disruptions and cancellations due to volcanic ash cloud.

In April 2010, the Icelandic volcanic ash cloud caused wide scale disruption to thousands of holidaymakers where their holidays were cancelled, having paid for expensive holidays which they could not take. Many found themselves stranded abroad not knowing when or how they would get home. Holidaymakers also discovered that the delays and cancellations due to volcanic ash cloud was NOT covered by their travel insurance policy. Learn more about the volcanic ash cloud insurance from an article by moneysupermarket.com here

2.3 | Hassle free process

You would want to purchase a policy from a provider that is recognised for its customer relations’ quick processing of claims. You will want money or electronics replaced quickly while on holiday; You will want to have a simple and user friendly platform without having to fill out lengthy forms when making your claim.

You should be able to make a claim online and/or abroad while travelling instead of when you return home.

3 | What type of travel insurance cover is best for me? – Choosing the right travel insurance policy and cover to suit your needs.

The type of travel insurance policy and cover that is suitable to your needs will really depend on the following considerations:

3.1 | Where you are going

Policies are usually set by area.:

Europe,

Worldwide excluding US; and

Worldwide;

Tip – Cross-border travelling: You need to ensure that if you choose to do day trips that these are covered, for example if you are travelling from Greece into Turkey, Gibraltar to Morocco or the USA to Mexico.

3.2 | How long are you going away for

Annual and single trip policies covers you for 90, 120 or even 180 days. If you plan to be away longer, a long-stay policy provides you with up to 18 months of cover.

3.3 | The type of holiday you are taking

Is it business, family, single, backpacking or group travel. Each type of holiday will offer you a different premium.

You will need to consider specialist insurance for the following:

Backpacking; Volunteering; Golfing; Winter sports such as skiing; Cruises.

Find out the latest on the best and worst cruise insurance here

For specialist holidays such as backpacking, golfing and volunteering, you can look up specialist brokers British Insurance Brokers Association

For independent travellers and intrepid families, you may want to consider World Nomads.

World Nomads travel insurance are designed by travellers for travellers and offer policies to cover 150 plus activities in their adventure list. With World Nomads, you can buy travel insurance on the road! Extend cover over activities you’d forgotten to do initially. In essence, they are flexible, and provide a smart way of travel.

3.4 | What activities you will be doing

Will you be doing any winter sports or adventurous activities? There are a number of policies specifically for winter sports that covers injuries and piste closures. If you are doing anything adventurous, it may incur additional cover. Obvious adventure activities include bungee jumping and scuba diving as well as less obvious adventurous activities such as horse riding and canoeing.

3.5 | Your age – Travel insurance for Over 65s

If you are over 65, you will need a specialist policy. Some policies may be more expensive than others for the same cover. You need to shop around. The following are links which you may want to use to research further before making your final decision:

3.5.1 | Which?

Which? sets out a list of suggested best buy insurers for Over 65, often with the latest information.

Who are Which?

Which? logo

 Which? is a UK brand that promotes informed consumer choice in the purchase of goods and services by testing products, highlighting inferior products or services, raising awareness of consumer rights and offering independent advice.

Here are the links from Which? for you to research on:

3.5.2 | Specialist brokers:

Look up British Insurance Brokers Association who are experts in finding you specialist cover.

Tip: To get the best deal. you may want to consider a multi-trip policy instead of a single one as this will work out cheaper for you in the long term. In addition, taking out a specific policy that relates to the activity you will be doing for example, cruising, may work out cheaper than a single trip.

3.6 | Your medical condition:

If you have a pre-existing medical condition, you may be charged a slightly higher premium because of the risks involved.

A pre-existing medical condition is an illness or injury that exists before, or at the time, you take out an insurance policy. Common medical conditions are:

  • high blood pressure
  • high cholesterol
  • diabetes
  • respiratory problems including asthma
  • joint & bone inflammation
  • chronic illnesses such as cancer or stomach problems

Anxiety or depression should be disclosed as well.

You must disclose any and all pre-existing medical conditions at the time you take out your policy so that it is not invalidated.

Look up these websites for advise and be informed on pre-existing medical condition:

Travellers with pre-existing medical condition – Recommended by Which?

Cover for pre-existing medical condition by the Money Saving Experts

3.7 | What type of traveller are you?

Couple; Family; Group; Business;

Travelling with family or friends gives you the following options:

Single parent cover;

Couples cover provided both are at the same address;

Family holiday insurance that covers two adults and up to four children travelling together provided children are under 18 and living with you.

Couple and child cover is a cheaper family policy if you are a couple and travelling with only one child

However, take note that a “family” policy can be invalid if members are travelling independently. Family policy may not include children/step children who do not ordinarily reside with the policy holder.

3.8 | How often will you be travelling over a 12-month period;

  • Single trip?
  • Annual multi trip?
  • Worldwide?

If you plan to travel more than once over a 12 month period, it will be a good idea for you to purchase a multi-trip policy instead of a single trip. Premiums work out cheaper that way.

A single trip policy covers that just one holiday and ends when you reach home. A multi-trip holiday covers as many trips as you wish to take in a year – the 12-month period begins with your first trip. Each trip may be limited to 31 days or 60 days, depending on the provider.

3.8.1 | Annual OR Single Trip – How would you decide? What is best?

When considering whether a single or an annual policy is suitable, the thing to bear in mind is whether the multi trips over the year are “of a kind” or of different types. If you are planning a skiing holiday and a summer beach holiday, it will be more appropriate to get a specialist holiday insurance policy to cover your skiing holiday and then to get a separate single trip policy for your summer vacation. This may work out cheaper in premiums for you.

NB: Always research thoroughly before purchasing your policy. There are website links listed below for you to use.

No matter your circumstances, there is a choice of policies available to suit your needs. A good policy will have you covered, giving you optimum cover:

4 | What makes a Good Travel Insurance Policy?

As there are so many travel insurers out there, policies vary a great deal. Insurers offer varying features covering different losses. To ensure you are on the right track to getting a good travel insurance policy, ensure the following features are provided for by the insurer:

4.1 Medical Expenses

A good policy will provide cover towards the costs of emergency medical and surgical treatment while you are away.

£1 million or more for travel to Europe
£2 million or more for the USA

4.2 | Repatriation

An automatic cover to bring you home in cases of emergency.

4.3 Cancellation

If you have to cancel or shorten your trip, this clause covers you for any travel and accommodation costs you have paid and can’t use or claim back. A good policy will cover you for £2000 and more. You need to read the fine print as some policies will only cover in certain circumstances.

4.4 | Missed departure

Sometimes, due to circumstances beyond your control, you may miss your departure flight, boat or train for example if your car breaks down on your way to the airport. In these situations, you may be covered for £500 or more.

4.5 | Delay

Again, if due to circumstances beyond your control, your travel plans are delayed, you may be covered for £200 or more. There will be separate limits for the first 12 hours of delay and for every 12 hours after that.

4.6 | Travel abandonment

Policies cover certain situations of abandonment where if you have to abandon your trip and cancel your journey, your travel and accommodation expenses will be reimbursed. Cover is £2000 or more. Check the T & C’s.

4.7 | Baggage cover

Policies cover baggage lost, stolen, damaged or destroyed. £1500 or more. There are usually separate limits for single articles, valuables and baggage delay. You will need to report all losses within certain time periods and get a written report from your airline if they lose your baggage.

4.8 | Personal liability cover

This cover is for when you are liable to pay damages due to accidental bodily injury to someone or for loss or damage to someone’s property. Cover is £2 million or more.

4.9 | Dental emergency

This covers the cost of emergency dental treatment, £250 or more.

4.10 | Money

This cover replaces money or equivalent (like travellers’ cheques or pre-paid tickets) if it is lost or stolen. Cover is for £500 or more but you need to ensure that you report the incident to the local police within 24 hours and obtain a police report.

4.11 | Cash

This covers you for loss of or damage to money held as cash. £300 or more.

4.12 | Terrorism

Full cover is provided. Some insurers do not cover baggage. Read the fine prints here.

4.13 | Loss of passport

 This covers additional travel and accommodation expenses as a result of needing to replace a lost passport. £250 or more. Ensure you have receipts.

4.14 | Winter sports

Covers winter sports such as skiing and snowboarding. Cover for your own or hired winter sports equipment, loss of ski pack, piste closure and avalanche delay.

4.15 | Excess amounts

Some insurers might apply different excesses depending on the type of claim. For example, amounts might differ according to whether a claim is for cancellation, baggage loss, abandonment or personal liability. However, a good policy will offer for one excess to be applied per claim.

4.16 | Overseas days + trip duration

A single trip duration during the policy is 30 days or more and the maximum number of days covered when overseas – 120 days or more.

The features above should guide you to choose the type of policy you need and the cover that you need to look out for. To get the right cover at the right price, you need to shop around for best deals and do some research. I sincerely hope that this post has helped you in that area. To summarise all of the above research which I did, I can honestly say that the following should be your guiding steps to buying the right cover for the right price:

5 | Summary Guide to Travel Insurance – Getting the right cover for the right price.

How to get the right holiday insurance for the right price – 6 considerations

  1. Consider a multi-trip policy – as mentioned earlier, this depends on how much travelling you do in a year. It is worth buying an annual cover than to buy each time you travel. In addition, you don’t have to research for new policy each time you travel. Not only does multi trip policy saves you money but it also saves you time.

  1. Look for multiple cover – best to buy for a couple or family under one policy.

  1. Check the policy limits – Some insurers set unnecessarily high limits for medical cover, baggage and cancellation. Some policies set high excess limits. Ensure you check these details.

  1. Watch for exclusions – check for activities that are covered and not covered.

  1. Check for age limits – over 65’s? Consider points discussed above at 3.5 above.

  1. Choose a good provider.

6 | Resources and links to choosing a good travel insurance provider

Finding a good provider of travel insurance will always be challenging because there are just too many of them. What is suitable for one traveller may not be suitable to another. You have to choose the provider that best suites your needs. My research shows there are a few which you could explore:

6.1 | Learn more about the best and worst travel insurance companies from the experts

The best and worst travel insurance companies by Forbes

The best and worst travel insurance companies by Which?

Trip Advisor Travel Insurance Forum

6.2 | Comparison sites for Travel Insurance

For quick and easy guide, here are two providers :

Compare the market dot com – This is a USA and UK price comparison website and it is meant to give you the best/cheapest price from the best providers.

Compare the Market

Money supermarket dot com is a UK based price comparison website specialising in financial services.

Money Supermarket

NB: The cheapest quote does not mean the best quote for your needs. You must dig deeper on the fine prints so you are not caught out.

6.3 | Specialist Travel Insurers

6.3.1 | Holiday insurance for over 65s

Insurance for over 65s tend to get a little more expensive. It always pays to research well in advance for the right cover for the right price. Here are some links to aide your research:

Avanti Travel Insurance – This provider has no restrictions on age for single trip policies. However, for annual cover, the age is limited to 70.

avantitravelinsurance.co.uk

Flexicover – This provider has no restriction on single or multi trip policies but has an overall age cap at 85.

flexicover.co.uk

Providers with no upper age limit restrictions for single or multi trip policies:

JD Travel Insurance

jdtravelinsurance.co.uk

PJ Hayman

freespirittravelinsurance.co.uk

Specific points for over65s to consider:

Check activities – make sure the activities you intend to do are covered.

Cut cover – sometimes eliminating some cover may reduce your premium

6.3.2 | Backpacking

Backpackers travel a little differently because of their low budget lifestyle and exploring off the beaten path tracks. They still need to protect themselves with a comprehensive travel insurance cover.

Safety Wing is said to provide the best cheap backpacker insurance. It offers $250,000 in emergency medical coverage, $100,000 in medical evacuation and $5,000 for trip interruption.

safetywing.com

For me, the best overall travel insurance for backpackers is provided by World Nomads. World Nomads cover the widest number of countries and more than 300 activities, with 150+ activities in their adventure list. They are affordable as well. What makes them unique is that the policies are curated by travellers themselves – some being backpackers themselves in their lifetime. They have been there and done that. Check out their policies that offer $100,000 in emergency medical coverage, $300,000 in medical evacuation and repatriation, $1,000 for stolen or lost baggage. Furthermore, they offer flexible plans to suit your needs – there are plans with higher coverage.

worldnomads

For further research and information British Insurance Brokers Association

BIBA represents the interests of insurance brokers, intermediaries and their customers by campaigning on all aspects of insurance to ensure the industry is united and working for brokers and customers alike.

6.4 | Travel insurers recommended by Which?

Which? logo

Which? recommends the following providers:

HSBC | First Direct | L V | M&S Bank

Resources used in this article:

UK Government Foreign Travel Advise

UK Government Guidance on Foreign Travel Insurance

Travelaware

Money Advice Service by UK Government

Trip Advisor


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Have a wonderful time exploring the world!

Georgina

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Travel insurance and everything you need to know -the Why, What and How including features you need to look for on a good travel policy + links. via @GGeorgina_mytimelessfootsteps/Travel insurance and everything you need to know -the Why, What and How including features you need to look for on a good travel policy + links. via @GGeorgina_mytimelessfootsteps/