The Foreign & Commonwealth Office (FCO) says that many people deeply regret not taking out travel insurance. They think their credit card accident, insurance home, or private health insurance is sufficient. The reality is that you have adequate travel insurance and suffer serious injury or lose valuable assets expected harsh financial consequences.

The Federal Cartel Office has guidelines on what should your insuranceIn case of emergency or other problems, you may experience during the holidays.

The real cost when things go wrong. An emergency abroad can be extremely expensive. If you need to be returned to the United Kingdom you can find thousands of pounds, unless they are adequately insured:

* £ 30-35,000 - air ambulance from the east coast of the United States
* £ 12-16,000 - air ambulance from the Canary Islands
* € 15-20000 - scheduled flight, stretcher and doctor escort from Australia

What shouldTravel insurance to cover?

* Medical and health insurance for an accident or sudden illness abroad - more information on medical coverage and health
* 24 hours emergency service and support
* The personal liability in case of proceedings for injury or damage to property
* Cover lost and stolen goods
* Cancellation and reduction (cutting short the cover of your trip)
* Additional coverage for activities that are generally excluded from standardMeasures, such as jet-skiing, for example.

The policy should cover all the time you're away.

Your policy can also:

* Personal Accident Insurance
* Legal Fees
* Financial protection, if your airline goes bankrupt before or during the trip.

Many insurers will extend cover if you ask. Otherwise, look around for a policy specialist.

Common travel insurance policy exclusions

Always check the conditions and exclusions of your Politics

* Most activities are not for the drinks, the incidents of drug
* You must take reasonable care of your possessions or your policy is not for you.

Travel Insurance Buying Tips

* Shopping around for a good price and decide the right product, rather than travel without cover
* Cheaper policies usually cover less - for some the price seems very important, but it's worth to save the first?
* Multi-trip annual inspection> Insurance, saving trips a year - saving time and money.

Canceling or cutting a trip short

A good insurance cover short for canceling a trip or cutting. Check carefully to see exactly what you are covered for:

* Accident
* Disease
* Pregnancy (unknown, if you purchase the policy)
* Jury subpoena, or
* Home of emergency: fire, storms and floods, burglary
* Redundancy
* Strike
* Bad weather - affectsthe departure of flights and ships.

To make policies that:

* The repayment of the full cost of your holiday
* Pay when you need to cancel or cut short a trip because you're too sick, for example,
* Includes pre-paid expenses such as excursions
* Includes additional costs to return home

And try to book through an agent that is) with the Association of British Travel Agents (DRV, Licensing Air Travel Organizers' (ATOL) or other credible financial protectionOrganizations.
Liability insurance

If you accidentally cause the risk of injury to someone or damage their property, they sue you. Travel Insurance good coverage of personal responsibility.
Accident cover - death and disability

Travel insurance can be performed on a payment for an accident, permanent disability or death.
Cover for stolen, lost or damaged goods

Normally, you can choose the limits in yourPolitics. Limits for individual products such as cameras and jewelry can be $ 250 each up to 1000 pounds or more. Check these limits are reasonable and realistic.

You should have a loss to the police within 24 hours. Proof of service required at the time of application.

All insurance companies say it is necessary to take around your property at any time. If you can not pay the policy.

Tip: Take the same care of your property as if it wereuninsured.
Lost luggage on flights

Do not rely on compensation from the airlines if they lose their luggage.

After payment of the law, airlines only for a specified minimum value per kilo of lost luggage. E 'unlikely to cover the full value of your assets.
Legal expenses

Under a legal expenses cover will help you to pursue compensation or damages for personal injuries, while he is abroad - very important in countries without a system of legal assistance.
EHIC - EuropeanHealth Insurance Card

Obtain a European Health Insurance Card (EHIC) for health care in European countries. Understand what it does and does not apply to you.
Medical Insurance

Financial security for the holidays

Abroad, not without a refund when your holiday company failure - to know what protection is given, stranded for you.
Credit Protection

Provides information on the financial credit and debit card users.

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