The foremost thing to consider when choosing a travel insurance policy is to decide on the type of cover you need. There are usually two main coverage categories: medical and non-medical. Medical insurance provides coverage for treatment of eligible unexpected medical emergencies, ambulance and emergency transportation services, dental emergencies, pet return, transportation of a family member or friend to your bedside and more. You can opt to purchase travel medical coverage for a single trip only (Medical Plan) or multiple trips (Annual Plan), in case you frequently travel within a year. If the latter is your case purchasing coverage for multiple trips under a single policy can save you money on insurance by providing medical coverage for unlimited trips within one year from purchase.
On the other hand, non-medical plans, such as the trip cancellation and interruption insurance or , are designed to protect your investment by helping cover pre-paid expenses, re-organizing travel plans, and recovering lost, damaged or stolen luggage among other benefits.
Ultimately, you can also opt to purchase a plan which includes all the benefits from both medical and non-medical plans such as Medical and Cancellation Plan.