The premiums you’ll pay for travel insurance depend on a number of factors, including:
- Your age: younger travellers get cheaper insurance premiums than their older counterparts
- Your destination: Factors specific to your destination, such as local medical treatment or repatriation costs, can affect the price you pay
- Your holiday duration: As you would expect, the longer you’re away the more you’ll need to pay
- Your activities: If you’re taking part in risky activities like winter or water sports, you’ll need to pay extra for the right cover
- Your medical conditions: If you have any pre-existing medical conditions, as discussed in the next question, you’ll need to pay extra for the right medical treatment cover
- Your policies: Adding extra cover for gadget, designer clothes or valuables does bolster your protection, but it will cost more
Your premiums are a one-off payment for the entire policy, rather than a price-per-person for everyone covered.