You can readily get Post Office insurance from any of the post office branches as well as online. The question is how to choose the best package that matches your needs requirements and budget. Use this guide to the pros and cons of each of the 4 packages currently available from the subsidiary of Royal Mail Group to make up your mind.




Single Trip Travel Insurance: Flexible but with Restrictions

Pros:

The single trip travel insurance policy offers great flexibility in terms of the duration of the trip. It can be from 1 to 90 days. This flexibility can save you money.

There is no upper age limit for this policy. This is also a great flexible advantage.

You can select from Basic, Classic and Premium cover. Coverage for more than 80 hazardous activities is automatically included. You can purchase a number of extra covers winter sports cover, golfing cover, hazardous activity cover and extended baggage cover.

Dependent children younger than 18 years of age are automatically included to your policy at no additional charge.

Cancellation cover takes affect immediately after purchasing a policy.

Cons:

You cannot use a single trip package, if you have a single trip that lasts for more than 3 months. This is restrictive to many people.




Multi Trip Travel Insurance: More Comprehensive but with More Restrictions

Pros:

The annual multi trip Post Office travel insurance package covers you for an unlimited number of trips per year. These include trips within the United Kingdom.

This package has all standard benefits of the single trip package. You can select from Basic, Classic and Premium cover and you get automatic coverage for 80 hazardous activities. You cat to choose from four different additional covers. Family cover is also available under the same conditions. Cancellation coverage starts upon the purchase of a policy.

Currently a 10% online discount is available to those purchasing a multi trip post office travel insurance policy on the internet.

Cons:

The number of trips you take during the year is not restricted, but their duration is. Your policy will be valid for trips with duration under 31 days. Still, you can extend the duration to 45 days. Such option is readily available.

You will be able to take advantage of coverage within the UK, only if your trip has booked and payable accommodation for at least two nights.

You may not be eligible for such a Post Office travel insurance package. The age limit for Basic and Premium multi trip coverage is 65. The age limit for a Classic cover is 74.




Long Trip Travel Insurance: Comprehensive and Flexible but at a Price

Pros:

This Post Office travel insurance package provides cover for trips abroad lasting from 3 months to 1 year. This makes it suitable for gap year travelers as well as for people who take a break from work.

You will be covered for more than 90 different activities, including hazardous ones. This is a great benefit to those that love adventure.

The Long Trip package includes 17 different covers, including medical emergency and associated expenses coverage, cancellation and curtailment coverage, personal belongings coverage and scheduled airline failure coverage. The upper limits of all cover are relatively large. You can purchase up to £10 million pounds of medical emergency and associated expenses coverage. Optional winter sports cover is available at special prices.

You are covered for 1 visit home through the duration of your policy.

Cons:

This Post Office travel insurance package is available only to individuals who are 18 to 65 years of age. This is a limitation that may be a serious disadvantage.

The package is more expensive than a standard one and there are no special discounts available.




Explorer Travel Insurance: Designed for Gap Year Travel

Pros:

You can choose flexible coverage from 2 months to a year. You get coverage for one trip to home during your travel.

The policy includes 9 main types of coverage. These are emergency medical and associated expenses with an upper limit of £5 million, cancellation and curtailment, personal accident, personal belongings, personal money and documents, personal liability, legal expenses, loss of passport and mugging coverage. Winter sports coverage is available at special prices.

Cons:

This policy is available only to individuals from 18 to 35 years of age.

There are no extra covers, apart from winter sports and hazardous activities cover.

There are no discounts available at present.

You can readily select from any Post Office travel insurance package in line with your individual needs, requirements and budget.

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