Dragon Boat Holiday Travel? Buy Travel Insurance — and Know the Two Policy Types

With the Dragon Boat mini-holiday approaching, many families are planning trips, and travel insurance is essential pre-departure prep. But few realise travel cover comes in two distinct types — buy the wrong one, or assume you’re covered when you’re not, and you may discover the gap only when disaster strikes.

Two policies protecting different people

The key misunderstanding: the agency’s liability policy on a group tour does not protect you personally. If you hurt yourself or fall ill, liability cover pays nothing.

What should self-drivers add?

Beyond basic travel accident cover, self-driving travellers should consider:

• Vehicle damage: flying stones can crack windscreens — standalone glass-breakage cover is worth a look
• Medical add-on: accidental medical riders are the most-claimed; hospital bills are the commonest cost
• Emergency rescue: vital if heading somewhere remote

Holidays are for fun, not for gambling. Ten minutes reading the policy wording before departure is what turns a purchase into real protection.