Travel insurance
Posted in Before you travel
Taking out travel insurance can help you get financial and practical assistance should something go wrong on your trip abroad. Unfortunately, illness, theft or accidents can happen anywhere.
Travel insurance can vary widely on price and levels of cover. If your trip involves particular sports or activities considered a risk, check that your insurer offers extra cover or you may need to call a specialist insurer. Get several quotations before you choose your travel insurance and check carefully what each offers.
Policy checklist
* 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
