Travel Insurance Advice

Travel insurance is one thing you should not go without. 99 times out of 100 you will probably have nothing bad happen on your holiday, but when your flight is cancelled, or your apartment is burgled, or you suffer a health problem, insurance can prevent heartbreak.

There are several eventualities that you need to consider covering:

• emergency medical treatment, hospitalisation and repatriation (being returned to the UK)
• 24 hour emergency assistance - some insurance companies will help around the clock helpline to arrange for help if you have a serious problem
• personal liability - if someone is injured or his or her property is damaged by you or something belonging to you, he or she could make a claim against you
• you abandoning or cancelling the trip, as you may be liable to pay full or part of the cost if you cancel
• the replacement cost of your personal possessions, including money and documents. Your policy will specify limits