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Accident can happen while you are travelling around the world. A travel insurance policy can provide cover for the cost of a medical emergency and treatment; it also provides protection for loss or damage of personal possessions.

If you are ill or injured while you are abroad, it can be very expensive and complicated and the prices are very high for medical treatment, a number of overseas hospitals also limit the care they give you if they can not see proof that you pay for the treatment.

• Cover type Choose cover type from annual multi trip, single trip or long stay cover
• Who is being insured Travelling alone or with your family?
• Additional cover add-ons extra add-ons such as winter sports or a cruise cover
• Your personal details Your name, address, age and contact details
• Medical history You will be required to answer a few questions about your medical history

• Medical expenses It covers the cost of you visiting a hospital or a doctor while you are abroad and the treatment given.
• Damaged, stolen or lost possessionsProvides protection for your belongings and luggage, there will typically a limit for the amount of cash or a single item limit, but imagine the cost to replace the contents of your suitcase should it go missing.
• Personal liability If you injure someone else or damage property accidently
• Repatriation For medical emergencies or a treatment and you need to be brought back to the UK because you can not get a standard charter flight
• Delays and cancellations If your fight / holiday is cancelled or delayed, you can reclaim costs

• Pre-existing medical conditions You need to declare any pre-existing conditions and you may require specialist travel insurance to cover these. Whilst this may be expensive, it will be a lot cheaper than having to personally pay for the treatment overseas. The insurer will check your medical history prior to any payouts, so if you have withheld information initially it will invalidate the cover and you will have to pay the medical bills.
• Adventurous and dangerous sports Sports such as climbing Kilimanjaro or winter sports not covered under typical travel cover but it is very easy to add extras onto the travel insurance to get these covered.
• Some destinations If the UK government has given the advice to avoiding travelling to a country, you may not be covered.
• Alcohol related claims You are not allowed to claim for any injuries caused by alcohol or drugs
• Terrorism and Natural disasters Standard travel insurance covers don't cover acts of terrorism and natural disasters

• 1. Annual premium If you are travelling regularly, a multi trip cover can work out cheaper
• 2. Combine family cover Insure your family under the same policy to reduce travel insurance cost
• 3. Check if you are already covered Check if you are already covered with your bank or credit card (if you pay a monthly fee of over £10 for you account you could well have travel insurance so double check this)
• 4. Higher voluntary cover Higher access can help you further reduce cost of your travel cover (but don't set it at an amount that puts you off putting a claim in)
• 5. Cover the destination you are going to visit Only cover the destinations you are going to travel, many policies are for parts of Europe, the whole of Europe, most parts of the world (typically excludes USA) and the whole of the world (including USA)
• 6. Personal belongings cover Check your home and gadget insure to see if your belongings are covered for outside of the home / country
• 7. Package holiday Some package holidays come with travel insurance but only book a package holiday from an ATOL protected company
• 8. Compare travel insurance with us Compare over 21 travel insurance providers with us for your peace of mind