Travel insurance is one of those things you hope never to use — but when you need it, you'll be immensely grateful you have it. The key is knowing what cover matters and what's just padding the premium.
Non-Negotiable Cover
Medical and emergency evacuation is the single most important cover. Medical treatment abroad — particularly in the USA — can cost hundreds of thousands of pounds. Never travel without it.
Cancellation and Curtailment
Protects you if illness, bereavement or other covered reasons force you to cancel or cut short your trip. For expensive holidays, this is essential.
What You Can Often Skip
Gadget cover is often overpriced. Your home contents insurance may already cover portable electronics abroad. Check your existing policies before buying duplicate cover.
Pre-Existing Conditions
Always declare pre-existing medical conditions honestly. Failing to do so may void your entire policy, leaving you with nothing when you need it most.
