It may be tempting to jet away on holiday without opting to take out travel cover insurance. None of us likes to think of the worst possible scenario happening whilst on holiday, after all, you go on holiday to relax and have a great time. However if you do not take out protection then your time away may be anything but relaxing – if the worst happens it may become very stressful as well as potentially financially devastating.

Travel insurance typically covers a wide range of events of circumstances depending on the policy and the provider offering it. There are numerous factors to think about and possibilities that may go wrong during your trip. For example, have you considered the following?

• the sudden collapse of your holiday company before or after you leave;

• the loss of your baggage which includes it being stolen or items stolen from it;

• legal expenses which may arise;

• the possibility of you being taken ill whilst on holiday;

• the cost of suffering an illness or injury that meant you had to be brought back to the UK by air ambulance;

• the costs of Doctors or Nurses who have to accompany you back;

• the cost of medical treatments whilst on holiday.

Any of the above may affect you whilst you are in a different country and in some cases, the costs may be astronomical. If you risk travelling without travel cover insurance and you were to suffer from any mishap or event then you may have to pay out to cover the costs out of your own pocket.

In the event of the worst case scenario, and you ended up badly injured in hospital and had to be airlifted back, it typically costs many thousands of pounds. Insurance does not have to be expensive and it may be a Godsend as it will usually pay to have you brought home.

The different types of travel insurance

There are different types of travel insurance that you may want to consider, depending on the type of holiday you are taking.

Winter travel insurance

For instance if you are taking a winter holiday or travelling somewhere cold to take part in winter sports such as skiing then you may want to take a look at insurance which covers this. Winter sports insurance typically includes insurance for emergency medical costs, such as breaking a limb. You may find that your equipment is covered in the policy, up to so much. The policy may also protect against the possibility of you not being able to go on holiday due to redundancy.

UK travel insurance

Accidents of course do not just happen abroad. They may just as easily occur when you are on holiday in the UK. With this in mind you may wish to take out UK travel insurance. A policy may typically cover the possibility of you having to cancel the holiday due to falling ill or being made involuntarily redundant. It may provide protection in the event that there are delays in travel and you have to stay in alternative accommodation. Stolen or delayed luggage may also come under the policy. Any of these are typical benefits that may be found in travel cover insurance when holidaying in the UK. However, it is important to check the summary of any policy you are considering so you know what is and is not included.

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