ANNUAL TRAVEL INSURANCE
Annual travel insurance is designed to provide cover for all short duration trips for a period of twelve months. Annual travel insurance policies can include cover for winter sports, business travel and pre-existing medical conditions. Dependant upon the particular annual travel insurance policy, longer duration trips would need a separate travel insurance policy, as they would not be covered under a policy for annual travel insurance.

WINTER SPORTS TRAVEL INSURANCE
Winter sports travel insurance incorporates all the cover you’ll need for a single travel trip involving participation in such sports/activities as skiing, snowboarding, sledging, tobogganing, snowmobile and skating. If the trip will be for more than 4 months, you travel frequently or you have a pre-existing medical condition then there are other travel insurance policies designed for these circumstances, and should be used rather than winter sports travel insurance.

LONG STAY TRAVEL INSURANCE
Long stay travel insurance is there to provide cover for a single travel trip of duration greater than 4 months and up to 18 months. Once you return to the UK for any reason the cover will end even if you haven’t used up the full term. If you plan to make multiple trips, the trip involves winter sports, have a pre-existing medical condition, or you plan to work while you are abroad then there are other travel insurance policies that cater for these types of travel, and therefore, more appropriate than long stay travel insurance.

BUSINESS TRAVEL INSURANCE
Business travel insurance is an annual travel insurance policy designed to provide additional types of cover for the business traveller. Business travel insurance policies come with limits on the number of days each trip, commonly ranging from 24 days to 60 days, and may have an option for a limited number of days per annum of winter sports travel insurance, depending upon the specific policy for business travel insurance.

FAMILY TRAVEL INSURANCE
Family travel insurance is designed to provide cover for the entire family in one policy. It is available for single trip or annual multi-trip with varying limits on each trip’s duration. If you have a pre-existing medical condition, the trip involves winter sports or other hazardous pursuits then there are other travel insurance policies that cater for these situations, and may be needed in addition to family travel insurance.

HOLIDAY TRAVEL INSURANCE
Holiday travel insurance comes in many forms. Whether you holiday multiple times a year, have a pre-existing medical condition, the holiday involves winter sports or other hazardous pursuits or your holiday will be longer than 4 months then there is a holiday travel insurance policy designed to cater to your needs. Business travellers are advised to look at business travel insurance rather than holiday travel insurance.

SKI TRAVEL INSURANCE
Ski travel insurance exists to provide all the cover you’ll need for skiing and other winter sports whether for a single travel trip, as part of an annual multi-trip policy or for the entire ski season. If you do not participate in winter sports, have a pre-existing medical condition or travel primarily for business purposes then there are other travel insurance policies designed for these instances, and should be used rather than ski travel insurance.

BACKPACKING INSURANCE
Backpacking insurance policies are available in various forms and may only offer cover for a single trip, short or long term, or be an annual multi-trip policy. They generally have lower maximum age limits than other travel insurance policies. If the trip involves extended periods of winter sports or other hazardous pursuits or you have a pre-existing medical condition, then there are other travel insurance policies structured for these types of travel, and should be used in preference to backpacking insurance.

ACTIVITY HOLIDAY INSURANCE
Activity holiday insurance is available for almost any sport or activity you can think of, however, it’s common for limitations in cover to be applied to certain sports/activities. Policies are available in single trip, long term and annual multi-trip formats. If you do not plan to participate in any activity or sport that could be considered hazardous, have a pre-existing medical condition, or travel mainly for business reasons then there are other travel insurance policies designed for these types of travel, and should be used rather than activity holiday insurance.

TRAVEL ACCIDENT INSURANCE
Travel accident insurance provides personal cover against death or serious injury such as limb loss and is included in some but not all travel insurance policies, whether the insurance provides cover for a single travel trip, annual multi-trip, long term trip, business travel, activity/winter sports or you have a pre-existing medical condition. Therefore, if travel accident insurance is an important factor in determining your choice of travel insurance you will need to check the policy details to confirm that the policy includes travel accident insurance.

PRE-EXISTING MEDICAL CONDITIONS
Pre-existing medical conditions travel insurance is designed to provide cover for a single travel trip for anyone with serious pre-existing medical conditions. Maximum age and trip duration limits usually apply, and premiums may reflect the particular condition in some cases. There are many alternative travel insurance policies on offer for those not suffering from pre-existing medical conditions.