What does continuous travel insurance cost?
You've probably been looking forward to it for a while and then it's almost here: on vacation! Whether it's a relaxing sun vacation, adventurous winter sports or an interesting city break: of course you want to be well insured while traveling. With comprehensive travel insurance you can go on vacation safely all year round. But what are the costs of continuous travel insurance? And are you really cheaper than when you take out a short-term travel insurance? Below we list all the costs of continuous travel insurance for you.
Cost of continuous travel insurance
Whether continuous travel insurance is more advantageous than short-term travel insurance depends on two factors: family composition and how often you go on vacation per year. In general, it is already more advantageous for families when they go on vacation more than two weeks per year. Think not only about your summer vacation, but also, for example, weekends away or that last-minute in the autumn vacations. For couples it is already more advantageous from three weeks of vacation and for singles from four weeks of vacation per year. By the way, this does not have to be a continuous period. If you book short vacations several times a year, the cost of continuous travel insurance is also cheaper.
What is the average cost of continuous travel insurance?
The average cost of comprehensive travel insurance varies from person to person. This is because the amount of your premium depends on a number of factors:
- The number of persons for whom the continuous travel insurance is purchased
- Whether you are vacationing inside or outside Europe
- The coverages you choose
When calculating the premium, you can choose different additional coverages. So you should think carefully about what exactly you want to be insured for. You can think about the following coverages, among others: Luggage, Medical Expenses, Driver Assistance, Accidents, Money, Special Sports and Business Travel.
For example, if you plan to go rafting on your trip, consider turning on the Special Sports coverage. You can completely customize your comprehensive travel insurance. Of course, the more coverages you turn on, the higher the premium becomes. This way you can determine the cost of your continuous travel insurance.
In addition to the amount of coverage you choose, the deductible also affects the amount of your premium. The amount of your deductible determines how much you pay yourself in case of damage. The higher the deductible, the lower the premium.
What does it end up costing per year?
With comprehensive travel insurance, you are covered for theft and damage while traveling for one year. You then don't have to worry about travel insurance all year: you can travel safely at any time. You can choose the date when you want the continuous travel insurance to start. From that moment you start paying premium. After one year you can extend or stop the continuous travel insurance.
What is the cost of comprehensive family travel insurance?
You can choose to purchase the continuous travel insurance for your entire family. This way, your partner and live-in children are also insured throughout the year. However, your children must live at the same address. The premium will be higher, but in the end it is still more advantageous than if you take out a separate continuous travel insurance policy for everyone. This way you can easily save on the cost of your continuous travel insurance.
Take out continuous travel insurance? Calculate your premium!
How can I save on my continuous travel insurance?
A vacation is often expensive enough, so it is quite understandable if you would like to save some money on some things. For this, you can look at the insurance policies you already have. Do you already have a breakdown cover abroad with your car insurance? Then you do not need to take out this coverage again with your travel insurance. The same goes for the coverage for medical costs abroad. If you have already taken out this through your health insurance, it is a waste of money to do it again with your travel insurance. Always check that you are indeed insured for assistance abroad.
Now you may be wondering: can't I just save money by not purchasing travel insurance at all? You are not required to purchase travel insurance, but it is highly recommended. The cost you end up spending per month is a lot less than the unforeseen expenses on a trip. For just a few euros a month, you already have continuous travel insurance. In case of damage or accident, you will end up losing a lot more money without travel insurance!
Continuous travel insurance comparison
The amount of your travel insurance premium varies from one insurer to another. It is therefore best to compare the different continuous travel insurance policies. This can easily be done with our online tool. This way you can quickly see which continuous travel insurance best suits your needs. When comparing, do not only look at the cheapest options, but also consider which coverages are important to you. This way you will not be unpleasantly surprised when you travel.
Not quite there or do you still have questions? Then of course you can always reach us by phone at 088 - 688 37 00. We are happy to help!
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