If you are taking any type of trip or holiday, whether it is in the UK or abroad then cover for travel may be worth considering. Wherever you choose to travel if you have insurance to fall back onto you are typically protected against numerous events.

Protection when travelling abroad

If you are travelling abroad then one of the biggest differences between many countries and the UK is that you have to pay for medical costs in the event of illness or accident (though in the European Economic Area there are schemes offer reduced cost healthcare via an EHIC card).

If you were to suffer an injury or illness that was severe, the costs may be enormous, especially if you have to be flown back to the UK by air ambulance. Even a broken bone comes with costs when out of the country. Due to this, it is essential that you have insurance, otherwise the costs have to come out of your own pocket, and they may rise into many thousands of pounds.

Of course there are also numerous other events which may occur and which may cause distress and cost to yourself if you do not have insurance to rely on. Here are some of the benefits you may find in the typical cover for travel policy:

• if your trip were to be cancelled you may get up to so much money back;
• the same may apply if your holiday or trip was to be interrupted;
• your luggage may be stolen or it may be lost and a policy may typically cover this for up to so much;
• if you were to suffer a liability claim against you there are legal costs and the policy may pay up to so much towards these.

The above are just some of the many benefits that you may find in the typical insurance policy for travel. However, it is important to check the terms and conditions of the policy to ensure that you know what is and is not protected.

Travel cover for the UK and other specific types of holidays

Providers also offer insurance tailored for specific events and types of holiday. For instance when holidaying in the UK you typically do not have to pay for medical costs in the event of an accident or illness. However, you still have to get home from your destination, which might be difficult if you have a broken leg and have a coach journey booked to get you back; plus there is still the threat of lost baggage or you having to cancel the holiday. There may also be travel delays and costs for a stay in alternative accommodation, which the policy typically covers up to so much of.

You may also enjoy playing golf and take a break on some of the finest courses in the UK. In this case, you may wish to look into taking out golf travel insurance. This policy supplements your travel insurance and typically provides protection for a loss of golfing equipment including clubs. It may also provide protection towards you having to hire equipment in the event of yours being stolen.

If you prefer winter sports then you might want to include winter sports protection in your policy. This typically provides valuable cover for travel if you were to suffer injury or illness whilst on holiday and typically covers many other events.