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Choosing the Right Travel Insurance for Your Trip

As specialists in Travel Insurance for backpackers, travellers and explorers with an eye for adventure, we thought it was about time we gave you a guide to choosing the most suitable travel insurance for your trip. Insurance can often be daunting and left until the last minute, but at Alpha Travel Insurance we'll make sure you have the right level of cover for your trip. Choosing your travel insurance becomes an easy part of planning your trip.

Comparing travel insurance

There are a lot of online resources targeting price as the only factor to consider when comparing travel insurance however this couldn't be further from the truth and doesn't cover the common factors that can influence your policy including; length of trip, destination and activities covered.

What do I need to consider when booking long stay travel insurance?

Where in the World am I going?

It is essential you are aware of the locations you'll be visiting during your trip in order to research answers to some of the questions you are likely to want answer to. What is the climate like? What activities are available? Where do you plan on staying? Once you have an idea of these you can begin to piece together your trip of a lifetime.

How long am I planning to go for?

The duration of your trip can vary which insurance policy to go for. There are many differing policies available that depend on the finer details of your trip. For example, long-stay travel insurance can offer policies that cover you for up to 18 months or multi trip insurance, as the title suggests, will cover you for multiple trips over a twelve month period. There are also single trip insurance policies and specialist travel insurance policies to decide on.

If you are going backpacking, don't be surprised if you end up staying longer than first planned. You can get carried away with the many wonderful destinations on offer. We recommend that before you travel you should read our helpful guide detailing what to do if you decide to extend your trip...

Who am I travelling with?

There are many popular misconceptions surrounding travelling. Many believe it is a venture that should be taken alone, but others like to enjoy it with a loved one, their friends or their family. However, there are again many options that you can explore to get the best value insurance.

Benefit from policies offering couples or family travel insurance that will make it easy to cover those who you are travelling with.

Are you a student on a gap year? We have helped thousands of students travel the world with our specialist gap year insurance. We have also been on hand to insure those who are studying abroad and volunteering.

Where am I staying?

If like most travellers you are on a budget and you're likely to be staying in hostels and living out of a suitcase, it is good to have peace of mind that your valuable belongings are insured. No doubt you will be taking a myriad of photos and communicating loved ones back home so we recommend reading about our gadget extension insurance.

What will I do when I am there?

We understand that whilst some travellers like to explore peacefully, most travellers are thrill seekers and adrenaline junkies who look for new and exhilarating experiences. That's why we have a separate activity list so you can be insured for some of the risqué activities you plan on doing whilst on your travels. From bungee jumping to bamboo rafting and body boarding to bridge swinging, ensure you are ready to enjoy it safe in the knowledge you are covered.

It is always important to get the details of your insurance correct and we will always advise that you speak with one of our specially trained advisors before proceeding.

Choosing the right policy for you

When comparing travel insurance perhaps the best tip is to move away from the priced based comparisons that shout the loudest online and consider comparisons based on cover.

You have to think about why you are buying travel cover in the first place and if that includes real peace of mind that you are covered for the potential eventualities that you could encounter, then making sure you are covered for the activities you know you are doing (and a few that you might be doing), gives you much better value in the long run than saving a few pounds on the initial price.

A great starting point when choosing the best travel insurance policy for you can be with policy specialism. If you're planning a gap year with a few friends, a specialist gap year travel policy is likely to cover (even at a basic level) a number of the most common needs. This will save time narrowing down to your selected provider's shortlist or can certainly point you in the right direction if you are on the way to the airport and looking for instant cover.

Whatever your backpacker and gap year travel insurance needs, Alpha travel Insurance are sure to be able to help get you on your way!

Tips For Longstay Travel

When planning your Longstay trip, there are many things to think about and tick off the checklist. Ensure you don't forget the essentials by checking out our travel tips below!

It is essential that you check your passport before you travel to ensure that it has not already expired, or due to expire whilst abroad. Always ensure that you complete this in good time, often months in advance, just in case you need to apply for a replacement.

If you're planning on visiting certain countries while on your trip you will need to obtain a visa. There are many different types of visas for different purposes, such as working holidays, longstay and studying, so it is important to make sure that you are applying for the correct one. Always begin your visa application in good time, as it can sometimes take months to process your documentation and you may also be asked to attend an interview.

If you're travelling by air, take a look at your airline's luggage restrictions. Ensure that you purchase a bag that is slightly smaller than the luggage dimensions as you will need to allow room for expansion when packing. Think about the consequences of purchasing souvenirs too - these will take up space and add extra weight to your allowance when you want to return.

If you're travelling to any part of the European Union, always make sure that you have a valid European Health Insurance Card (EHIC) with you at all times. The card will entitle you to free or discounted healthcare in many countries within Europe. Please note that the EHIC is not a substitute for travel insurance and does not provide medical treatment within private hospitals.

If you plan on visiting a place that has been issued an FCO warning advising against travel, be aware that you won't be covered under your travel insurance policy.

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