|  Tweet So, how do you find the right travel insurance policy? There are often so many to choose from – many levels of cover, loads of different companies and prices ranging from the sublime to the ridiculous. To help you out, here’s a few things you should look out for so you can find the cheap travel insurance policy that’s suitable for you.

Policy type–Not all policies are the same. You’ll often see the phrases “single trip” or “annual multi-trip”; what do they mean? Well, a single trip policy is designed for the one-off holiday. If you’re going away just once this year then this is the policy for you. They can cover anything from a 3 day trip to France to a 12 months trek across the globe.

However, single trips are not so great if you’re planning on taking more than one or two trips this year. That’s where annual multi-trips come in. An annual policy covers multiple trips within a 12 month period – meaning you can go away as many times as you like, while having just one policy to cover all your trips. Not only are they more convenient than single trips, they’re also cheaper.

Cover level – Most companies let you choose how much cover you want with your policy. This usually comes in the form of cover levels, which are usually named things like Silver and Gold, or Basic and Premier. It enables you to buy only the cover you need. If you’re taking a lot of personal items away with you, or your holiday cost quite a bit, you can choose the higher cover level. However, if you just need the basic cover, then you can choose the lower cover level.

Extra options–Most policies come with extra cover options for things like baggage and money, golf clubs and business equipment. It’s always important to check before you buy your policy whether this cover is included or whether you have to pay extra for it.

Price–This price of your policy is very important. There are many companies out there that charge far too much for cover that ranges from adequate to completely useless. Always make sure you shop around to find the best deal and don’t forget to read the policy terms and conditions carefully. It’s important to know that you’re getting the right cover for your money.