What types of specialised travel insurance are there?
July 4, 2020
If you’re looking for specialised travel insurance, look no further! Hencilla Canworth’s Performing Arts Travel Insurance offer a host of tailored entertainer travel insurance packages designed to suit the artist on the road. From freelancers who need annual coverage as they flit around the globe, to once-off trips that need a carefully tailored package, we offer it all. Today we look at the specialised forms of travel insurance available on the market- and how each specific type caters to the entertainer who needs it.
Actor travel insurance
Globetrotting actors face some unique issues (and potential snags) that other types of entertainer may not. You’re less likely to be carrying a ton of specialized equipment, so at least the chances of that ending up in Mali while you’re visiting Milan due to an airline oopsie are reduced. However, you are your most important asset. A broken leg, a sore throat or the flu can put your gig on hold indefinitely- so what’s a smart actor to do?
That’s why entertainer insurance for actors should always be geared around a strong medical policy that will help you get the help you need, when you need it. Coverage for any existing conditions you have that may be aggravated by travel is also key, and preferably without a lot of compliance hoops to jump through before you get it. No one wants to have to struggle with the fine print when they’re feeling sick!
Cruise ship travel insurance
The cruise ship environment is an unusual one for an entertainer to work in, no matter what your actual profession. Unlike many other freelance entertainer gigs, you will spend much of your time in one place- it’s your actual venue that will be shifting around!
This means you face a unique set of circumstances. You will have your own space to call your own for an extended period of time (though do be aware you may be sharing a cabin with another artist). Other than your initial travel, you won’t have to worry about airport losses quite so much, but petty theft while onboard may be a concern. You should be able to act quickly to get medical care in your own language on the boat, but may require airlifting to land or staying in port in the event of a serious medical condition, and the nearest hospital could be almost anywhere. This is why you need cruise ship travel insurance that’s specially tailored to suit your needs onboard.
Freelancer travel insurance
Many entertainers will find, over their career that they spend more time working as a contractor or freelancer than they do as a salaried member of a cast or crew. While this can be an enjoyable and lucrative way to spend your career, it also means that your employers have far less obligation to you legally, and you will need firm insurance coverage to ensure any potential gaps are covered. When travelling, this can be intimidating your chances are that you will have to fend for yourself in the event of something going wrong. From lost baggage to a sudden gig cancellation, you need the peace of mind of knowing someone has your back no matter what.
While the exact nature of your work will change the intricacies of the entertainers travel insurance you need- a freelance rigger will have different needs from a freelance backup singer, for example- ‘comprehensive’ is always the key for freelancer travel insurance, you want thorough medical coverage in the event of you getting sick or injured. You want to know that lost baggage or airport delays will not affect your schedule while abroad. Other issues as travelling as a freelancer is the equipment you take with you, unfortunately this is NOT covered by travel insurance but that doesn’t mean to say that we cannot help you. As specialist in our fields we do have other schemes through the ‘Musician Union’ or for Equity Member’s ‘Professional Property Cover’ if you would like to discuss this type of cover call us at for a bespoke quote for your specific need.
Why specialised travel insurance matters
As you can see, it’s not enough to simply say ‘entertainers travel insurance’. What entertainer, and how does it meet their unique needs and that of their profession? Does it offer them the coverage they need, when they need it? Is it properly constructed around their potential needs? And, most importantly of all, will it actually be there for them when they need it?
Here at Hencilla Canworth, we believe that your entertainer’s travel insurance needs to reflect your unique profile as an artist. No career is quite the same as another, and your policy needs to reflect this, shaped by your unique coverage requirements but remaining fully comprehensive, simple to understand and easy to access if something goes wrong. That’s why we’ve shaped our unique travel insurance to reflect the real-time needs and wants of our artistic clients. If you need to find a solid, dependable travel insurance partner who worries about the fine print so you can concentrate on your work, why not reach out to the team at Hencilla Canworth Performing Arts Travel Insurance. We’re always here to help.