If you've booked a trip abroad,or a family holiday, then, then you might well have been offered travel insurance, and declined it, thinking that you won't need it, and that it's a waste of money. However, you could be left seriously out of pocket if you haven't got a travel insurance policy. Here's why you need a travel insurance policy.

1. If your flight is delayed or cancelled for any reason, and you miss a connecting flight, or other event then you might be able to claim, depending on your policy.

2. Although it doesn't happen often, if your luggage is lost, you won't have to pay for all of your belongings again out of your own pocket.

3. If you lose your passport or wallet, or have them stolen, you can claim on your insurance. This will mean that you can still enjoy the rest of your holiday, without fear of running out of money, or not being allowed out of the country.

4. If you lose or damage personal items such as camera or MP3 player, then these will be covered by your travel insurance policy. Slipping and dropping your camera, or leaving your MP3 player on the plane are easier to do than you'd think, and you don't want to have to buy a new camera or MP3 player with your own money.

5. The majority of countries don't have free healthcare, unlike the UK. That means that if you're involved in an accident, or suffer a heart attack or stroke, and need medical treatment then it will cost. A journey in an ambulance, and hospital treatment for a couple of days, can cost thousands of pounds, which will need paying. Most European countries accept the EHIC card, but you'll still need insurance to cover personal belongings and flight delays or cancellations.

6. Perhaps you'll need to cancel your trip due to illness or injury. If you or a member of your party can't go on holiday because, then your travel insurance will reimburse you.

7. Although this very rarely happens, if your holiday company goes bankrupt, or ceases trading, then you'll still be covered, and get your money back.

8. For certain types of holiday, such as snowboarding or skiing, there is an additional risk of either hurting yourself or others, or damaging your belongings, so you'll want to take out specialised insurance.

9. Most travel insurance policies are either for a specified time, such as to cover a particular trip, or for a year, or for multiple trips. If you go abroad often, then you'll definitely get your money's worth.

10. Having a suitable travel insurance policy will also provide you with the peace of mind you need to enjoy your holiday. You'll know that if your luggage goes missing, or you need medical attention, you'll be covered. Whilst this might be traumatic at the time, it will be less stressful than if you don't have travel insurance.

Now you know why you need to have a travel insurance policy, isn't it time that you made sure that yours provides the cover you really need?

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